www.iva.co.uk

Hi folks, well this has been the last week-end of worry before my creditors meeting which is on Wednesday morning. So it wont be long before I know which way the land lie's. I started making enquiries about iva's back in July and dont regret making the decision to apply for one in the slightest. And boy, have my habits and outlook changed! Having enough cash each month to pay for food and petrol and enough to put aside for a rainy day is such a fantastic feeling. So if the worst happens and the application is refused then my new chaste habits will stand me in good stead for the dmp route.
A big thank you to everyone on here for their help over the past few months - it has been priceless - and to anyone struggling with debt and wondering what to do just pick up the phone and speak to an expert. They will do all they can to help and the relief you will feel is indescribable. [:)]

Good luck for Wednesday. I've only just had mine agreed so know how you are feeling. I'm sure it will go ok. Let us know when you hear.

Will do nik. Feel quite calm but that will probably change by Tuesday night!! Congrats on getting yours approved[:)]

hi, it takes courage to face the debt. well done,it's stressful but you're almost there now.

i'm totally with you, a year on i still get a happy buzz having cash for food & fuel every week[:)],you're going to be fine x

What time is your meeting? I was a mess all morning at work waiting for the phone call. Then when the phone rang I was shaking and worried to answer in case was bad news!
This time next week you will be looking forward to a debt free future I'm sure. Keeping fingers crossed for you x

good luck to you hope all goes well, let us all know how it goes.

meeting is at 10.30, which means not too long to wait. I will be at work so will post the result when I get home, thanks for the support everyone[:)]

Good luck Louise - I remember it well!! The relief you will feel on Wed night is amazing. 4 months in and I know we've done the right thing.

Good luck Louise - I am sure that everything will be ok.

very best wishes louise good luck hun xx

Good luck from us also. I'm sure all will go well and we'll all soon be reading a positive post from yourself xx

Good luck for Wednesday from me as well.

Hi! Louise,I was in your shoes a month ago, I know exactly how you feel. Stay positive, I'm sure everything will be ok. Good luck!

Good luck Louise, I'm sure everything will be fine x

Good luck, I'm 5 months in and it's still scary thinking what the next 5 1/2 years will be like BUT still the best thing I ever did financially!