What a fantastic post, really made me smile! Well done! Interesting comments about how you loved your IVA and felt safe while in it. I know what you mean but I can't wait to finish mine so can get my life back on track (and get a car so can stop catching the bus to work, ha ha). Well done kabby3.

Don't worry, I missed a couple of payments but as soon as I spoke to my IP, we agreed I'd make up the payments over the next year. Most problems have a solution as long as you speak up rather than worry in silence. Let us know how you get on.

Well done Pagan_Dave on completing your IVA. It's always good to hear from the people who have successfully completed as it gives us all a lift. Not long for me and can't b***** wait.

Hi adad67, I've just received my letter from Grant Thornton today re changes to my terms and there was an option to decline the changes! Does yours not have this option?

Hello again, Thank you for all your advice so far. I've managed to get an interview for Tuesday with a local firm so hopefully they will just require employment references as opposed to a full credit check. Just seems so unfair! Everything was going so well until i got made redundant and never expec...

Hi all, I was made redundant back in January and have since been temping to keep the money coming in. I am half way through my IVA and have so far managed to keep up with the payments but am finding that my poor credit rating is affecting the jobs I am going for. I work in the financial sector and a...