www.iva.co.uk

I was thinking the other day how quickly the IVA has gone so far. i am in my fourth year and it has been hard at times but I can remember before the IVA when i wasn't sleeping, being very moody and at times contemplating doing something really silly. The lowest time of my life. I've been reading some threads lately moaning about IVA's and i just wanted to say that I think t was the best decision I made in a long time. Sleeping at night and seeing some light at the end of the tunnel. I am with McCambridge Duffy and they have been really supportive and not judgemental. Which is why i like this forum. people do not look down on you. I would like to finish with this last thought' Be proud we're doing something about our debts, We are taking responsibility and with the support of this forum we will get through all our trials and tribulations.' take care one and all.

Well said Danny! It gets easier every day. Xx

Great post ......you have travelled so far to get to this point and you are so right ....be proud !!!!

Great inspiration Danny for others reading who have yet to take the first important step.

Fab post x

Excellent post Danny, there is a lot of negativity on the forum at the moment it's refreshing to read positive posts.

Good post Danny x

Great Post Danny and well done on getting this far ... keep it up:-)

Always nice to hear positivity about an IVA. I agree it's not always easy but for me was always better than pre-IVA. Hope it remains so.

great positive post we need more of these especially for those of us that are just starting the journey.

Great post, Danny.
I will be making my last payment of a 6 year IVA this June and, even though it’s been hard, it’s far better than the alternative of sleepless nights, calls from creditors etc.
I’m with PayPlan, one of the so called “sausage factories”, but have found them overall to be fine. PPI is sorted. I sent the forms to EIF last April and it was all sorted by October. I received just over £500 in interest from PayPlan in November which came in very handy as the back door on the house was about to disintegrate so bought a new one. I have declared the interest to HMRC
The worst things are letting the condition of the house go down as its tattiness is a reminder of the situation and also not being able to talk to anyone about the IVA as the people I know would be very judgemental.
It is a long, hard slog but the goal is well worth it.
Sorry to go on, but I’d like to make a point about PPI. Many posters are upset about it, but my advice is to just complete the forms and leave your IVA company to it. It’s not fraud as it is an investigation to see if it has been mis-sold, not categorically saying that it has. I recall a post from Foggy who was under the impression that he had not been mis-sold PPI, but it turned out the he had, so you never know.

Great post, Danny. I'm with you. Life in an iva is hard and sometimes depressing but life before was even worse.