www.iva.co.uk

hi guys,
i just want to say a massive thank you for all the support we have received since finding this forum, as a lot of you know we had our iva approved today, meeting was this morning and we had our result within half an hour of meeting time.I was actually quite calm when i spoke to tom, part of the wonderful melanie giles team, and even pecked his head with questions, i am so relieved,i cant beleive we have found a solution to our debts, i know it wont always be easy and its not a get out of what we have done, and i do hope we can pay back as much as we can, i am lucky that i love where i work , fantastic work mates, and i will be happy to do as much over time thrown at me knowing some of it is going to our creditors, thanks to all you guys that were posting at silly hour last night i really needed to talk, and you were there for me, my hubby actually said today he thought me finding you was a god send because you have helped so much(thats his way of saying thanks) he then asked will i still post. WHAT i said, try and stop me, i might not know a lot about legal stuff but if i can be there to help anybody that is in our situation then i will be, and i feel very strongly about this.
any way enough going on, sending a massive cuddle to you all, have a great weekend.xx[:)][:)][:)]

Hi
That's brilliant news,well done
Look forward to your continued posts
Regards

Thats lovely Abby. You will be fine with Melanie and her tem looking after you.
Glad to hear you are going to keep posting.
The forum helped me in just the same way two years ago when we were just goin through the same, in fact I was probaby answering a call to one of the dreaded creditors at this time.
All over now, get on with your budgeting and give us any tips you think of and all the very best for reaching freedom from debt.

Ang xx

Glad it went well for you Abby - keep posting [:)] xx

It is reading posts like this that convince me every day to remain a part of this wonderful network. Yours is a true success story, and brings the forum back to the spirit in which I think it was originally intended.

[:D]im here to stay, i love you guys.[:D][:D]

I'm glad your IVA was approved Abby, and I'm really pleased you're going to carry on posting xxx

Great news that you are staying with us Abby![^][^]

Hi Abby

The support i recieved on the forum over a year ago motivates me to post now as I was helped so much and if I can help one person feel a bit better then thats great[:)]

You will have a wonderful weekend and keep pinching yourself I am sure, have a celebration[:)]

Best of luck
Emma x

i am actually working all weekend, but you now what i am not bothered, knowing i can go to work and not feel the stress i have been feeling is enough for me. (and i love my wine) will crack open a bottle on monday.[:D][:D]

Abby, I was pinching myself for weeks after my iva was accepted. After the weeks of worry it seems wierd to have it all come to an end in a simple phone call.

I was terrified when I first went shopping without my credit card and used my debit card as I was so used to my bank account being overdrawn and relying on credit cards.

Over the next few weeks you will find things and feelings all calm down and you will settle into your new life[:)]

I have never looked back and you won't either!

Don't let any creditor calls you may still get affect you, as they will all get the message soon enough[:)]

got to say, i have been such a coward towards the phone calls, never took one through the whole proccess, hubby did, he was really good, wanted to take the stres off me. today the phone rang and hubby said i will get it, and i was like no, no problem i will answer it, oh my god it was a credit card company, so the new confident me do, i handed it over to hubby. lol

glad you are here to stay abby...altho i didnt find this forum till well into our IVA journey it does still fulfil a valuable role..you will maybe need the support as you get going and get established and you are bound to have questions along the way....
and like you i left most of the calls to my OH...

Hi Abby,[:D]

Congratulations on getting your IVA approved this morning,so pleased for you and really glad that you will continue to post.

Have a Brilliant Weekend and enjoy that Bottle of Wine on Monday.

xx

Have a well deserved stress free weekend Abby, I'm so happy for you. X