The time has come!

[Credit-King]

Hi everyone.

I thought I’d say hello!

It has finally happened and I have contacted a company to propose an IVA for me. It’s all I can think about at the moment, morning noon & night. Up until now I have never missed a payment and have still stupidly met my payments somehow this month, even though I have decided on the IVA. At least this will keep my creditors of my back for a month or so until the first late payment letters go out.

I set up a CO-OP Cashminder account to change my few essential direct debits, rent etc and will stop all debt payments from February onwards. It feels strange, like I am being reckless or a fraud but my IP has agreed my current situation is not sustainable & I may as well enter an IVA as soon as possible rather than waiting for things to go down the pan. I now have the dreaded wait for it to be approved.

This website is great and it is comforting to know I am not alone out there.

[Foggy]

Hello Credit King, and welcome. Who have you chosen to go with ?

It will be nerve wracking at first and your emotions will be all over the place -- but then the adventure of living to a budget takes hold and bargain hunting becomes second nature

Best of luck

[Credit-King]

Thanks Foggy, I have gone with Vincent Bond so it will be good to see how things go as they get good reviews.

[MelanieGiles]

Well done for getting things sorted early on in the New Year. Have Vincent Bond advised you which IP firm they will be referring you to?