www.iva.co.uk

Hi all. Just found this place via Google while bored at work lol and have to say wish I had discovered it a long time ago, especially during the long months of hell before I got my IVA!

I hope to share many of my experiences and hopefully learn a lot of things as well.

Morning luke and welcome to the forum I'm sure you'll be able to help others as well as receive some great advice on your IVA journey.....a lot of good people on here who are always ready to help and advise.

Hey Penny thanks for the welcome. Yeah I've already learnt some great things and it's good to know I'm not alone.

It's hard for my family and friends to know how hard it is and how lonely sometimes.

Agreed Luke. Some of us have poured our heart out on these forums because "debt" is such a lonely place to be......after all its not something we can readily admit to our friends and families.....but you will soon find that theres many others in the same position who are non-judgemental and will help you.

Theres also many experts frequent these boards at all times of night, day and weekends so your never more then a few hours away from any answers or advice.

Welcome from me as well Luke. Glad your IVA seems to be going well.

We're a friendly bunch on here, always available with advice and support.

I honest to god don't know how I have survived and managed to never have a serious problem making the payments (I was 50p short one month though because of a bill and the Standing Order for my IVA was rejected and it cost me £19.50 in Bank Charges doh!!)

This place is heaven sent and everyone is so friendly. I just hope I can offer advice to help others given my experiences.

I'm sure you can.

Bummer about the bank charges though!

Tell me about it! A grown man of 30 and I nearly cried haha.

I'd have been suicidal I think![:D]

Haha well my Dad just said to me 'Be a man, suck it up ya big Jesse!!!'

Welcome to the forum Luke and I hope you find it of benefit.

Thanks

Hi Luke and welcome to the forums. This place had been an absolute godsend to me on my journey so far.

Thanks both. Yeah I'm just gutted it took me so long to find!

Hi Luke and welcome from me too....glad you've found as ( better late than never) [:D]

I'm sure your experience will help others. xx

Hi Luke and welcome from me too.
Hopefully the forum will be helpful from now on as five years is a long time.