I would like to add that whilst what I have said about horses and valuable pets may sound harsh, unfortunatley it is a sad fact of life that when indebtedness comes calling at our door the things we love most have to take a back seat. I do not believe for example that a wine lover who subscribed to the tune of £150 per month would be allowed to continue if proposing a VA. Now of course wine is an inanimate object and a horse is not, an probably not a good comparrison, but it is an expense at the end of the day.
In addition, and I agree that seeing an IVA through to the end is difficult to say the least, and that is something that somehow has been tarnished in respect to the whys and wherefores of an IVA. It was designed to assist through a financial crisis not make it a roses round the door escape.
I do, believe or believe it not have feelings for people that are or have experienced a financial fall as I have done myself so I speak from experience. However the sale of a treasured animal was effected, and I cried an ocean and still grieve for my lovely boy, I understand but facts are facts, and it is about time we all woke up and acknowledged that *****footing around delicate subjects isnot the way forward. I too had all the trappings, sky TV, two nice cars, a lovely house all of which are gone, and now it is time to get off my backside and start again to build finacial stability in order that I can enjoy all of that again.