www.iva.co.uk

Hello all,

I just wanted to register to say a long overdue thank you to all of you who contribute to make this forum the lifeline that it is to so many people.
I entrered into an IVA with my then husband in March 2006, settled with a full and final when we separated and sold the house in Sept 09 and received my completion cert in January 10 [:D]
I have no idea why I didnt post earlier. I think that while I was going through the process, I just needed to keep my head down and plough through it all and not really think about things too much along the way, but I always came to this forum to search for the answers when the inevitable questions arose...and it has never let me down, even if it was just the comfort of knowing that I was far from alone in any situation
It never ceases to amaze me what a fast paced forum this is[:0] and the way people can get almost instant guidance day or night (As a night owl, I love Melanie Giles nocturnal posts[:D])
As the IVA has now dropped off my credit files im going to get the tidying up done on them (using the brillant advice from the Matrix and others[:X]) and hopefully save enough to get the deposit to buy a house on my own in the next year or so...I will contact Ryan on that one[:D]

I will stop waffling now.. but suffice to say that I think you're all fab[;)] as I suspect do many hundreds of others who use this forum without ever posting, to get them through the bad times of their situation and out the other side smiling[:X][:D][:I]

It's great the forum helped you through such a difficult period and that you've lived to tell the tale! I hope you stick around to help those of us still going through the process! [:)]

P.S. Pingu is a great name!! [:D]

Great post Pingu and congratulations on getting through your IVA and getting your life back on track.

Keep us updated on how you are getting on.

Congrat from myself

That's a great post Pingu - so glad the forum was able to help. It's been a brilliant place for us as well.

Congratulations on completing.

Well done for getting through it,and to any other lurkers out there,come on out we dont bite!!!!

Paul

Thank you for the welcome and the congrats[:)] Yes the last 6 years have been a rollercoaster...but its a world away from the days of not answering the door or the phone and not sleeping at night...and sooo worth it whether you have come through the other side, are part way through or just thinking about starting[;)]

Its never an easy ride being in an IVA and rightly so,but it can be a life changing experience and also a massive life lesson in financial management.

Good luck for the future.

Paul

A lovely post and so glad the forum has helped you. x

An Iva is a bit of a rollercoaster! But it has transformed my life too...no more feeling sick at the post or the the phone ringing. Can't wait the 'few' more months until I complete! x

Hi Pingu - and thank you for your nice comments. I am glad I am able to keep you awake at night!

Your posting serves to show that there are many experts on this forum, all giving great advice about their particular area of expertise, and long may the friendliness and good spirit of this forum continue to help people burdened by debt and other personal problems.

Best of luck for the future to you and yours.

Hear, hear Mel!!

Hi Pingu,

The forum and it`s experts and posters are a Godsend aren`t they.

This thread must hold the emoticon record for the forum[:D]

LOL! It must come close. I've always wanted to use this one - [:p] - but no idea when would be appropriate! x