www.iva.co.uk

Hi everybody, been reading several posts over the last few days, posted my IVA signed copies off today, and wanted to say a big thank you to those who have shared your problems on this site, I don't feel alone now, and over the next few weeks, want to read as much as I can. - so hello to somebody has finally faced his debts and is now doing something about it, it's a big help.[:I]

Welcome to the forum.

Use the forum for information/whinging/moaning or just virtal head banging !

welcome m8
we are all in the same boat and are brave enough to say"enough is enough" and get out of this big hole called debt.
post anytime you need to know something or dont understand certain things theres always somebody who does know the answers.
and the ips thayt post on here are worth there weight in gold and will help us through the hard bits.
hope everything goes well with your iva and you will soon be on your way.

Welcome on board [:)] If one thing good can come from debt, its the friends you'll make on this forum and the neverending support.

Please keep posting [:)] xx

Welcome from me too.... You have certainly come to the right place so do keep posting and let us share your journey[:)]

welcome to the forum.

post whenever you feel the need, there is always someone around to offer advice or calm your nerves/anxieties.

i have found it a god send these past weeks.

Welcome from me as well - the forum is always here for help, support and advice.

Welcomr from me to![:D]

HI there, I too am a newbie and posted off all my paperwork 06/05, I had a major shake up occur my personal life which then gave me my 'light bulb moment, recently (I must thank HIM one day!!)and had been lurking on here for a while before I posted anything.... I feel so much better having had the lovely friendly replies and I know if/when my IVA is accepted then there are so many nice people here to ask things or just spout off and I have to say it makes it all so much easier than coping on my own with it all. Although, if its not accepted than quite what I will do I am not sure but going to think positive though!! thanks again everyone and Im now off to camp out on my front door step awaiting the postman with my proposal!! xx

Welcome from myself too x

Hi clee123,
You`ve come to a great place where you`ll find invaluable help, support and advice.
This forum and it`s dedicated posters helped and guided me through the most testing of times, you`ll find all the support and advice you need right here, from people who`ve been where you`re at right now.

thanks everybody, it really means alot xxxx

I am in the last month of my IVA. When we first applied I was terrified at the prospect of massive monthly repayments for 5 years, and also the stigma. Let me tell you, 5 years has gone in the blink of an eye, I am proud I have sorted my debt out and am soooo looking forward to a debt free life. My advice? Don't just accept what your IP tells vis a vis payments, increases etc. Go over everything they send you and keep every document because they sometimes get things wrong. Good Luck Babe. x

Great to see some new members joining up. Please share your experiences with us as you are both in the early stages of the process.