Ladybare-see it as a credit agreement-yes it has a few creditors bunched in together but try and keep it simple,if you hadnt have taken the iva they(debts) would still be there,wouldnt they.
You dont have to go in to depth with your partner-you dont even have to tell them-it is your business,if you feel embarrassed by the thought of explaining it away then maybe tell them it is a debt consolidation loan.
We are just glad we have a date when this will be over,I for one tell all my friends who have found themselves struggling,be proud you have found a solution to your debt problems and are not plodding along like millions of people are,with no hope and no end in sight[:)]
Last edited by
andrea1968 on Wed May 25, 2011 7:54 am, edited 1 time in total.
full and final accepted January 2015
iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM