I am crying with HAPPINESS!!!

[lem]

I am so overwhelmed, amazed and overjoyed, after what has seemed like an eternity, a never ending road to get here, we have had our IVA accepted with NO MODIFICATIONS!!!

I am stunned if I am honest, I don't think it has sunk in yet, I still can't believe it, I honestly thought we would have had an uplift of some sort or it would have been rejected. Even after reading everyone elses journeys over the last few months still made think deep down that we wouldn't be that lucky and we would still be saddled with this debt for the rest of our lives.

I can now see an end to this, we have that glimmer of hope of buckling down for the next 5 years and then being set free from this noose which has been around our necks for so long.

I just wanted to say a massive thank you to Melanie Giles, Claire and Tina for keeping me sane and to everyone on here including Jan, Lesley, Kat, BOL, Judo, Karin, MrsKnight, Rosepetal for all your advice and support over this horrendous period in our lives.

WE'VE DONE IT!!!!!!

All those debt collector threats and solicitors letters are now going in the bin!

[Judo]

lem
That is fantastic news!!!
So,so happy for you. It's great that there are a few of us who are starting this journey together!
Well done again. A new chapter and hopefully one filled with hope and happiness!! xx

[briggadeen]

Congrats LEM!!!
The relief is a wonderful feeling.
Good luck for your IVA journey [:)]

[missy80]

Congratulations!

[Rosepetal]

woooopeeeeeee x

you guy's need a little treat tonight after this,i am so ,so pleased for you.....now you can go over the "the bright side"...IVA approved!

look after yourself now x

[kat68]

congratulations, fantastic news!
i know this my sound crazy, but i am so overjoyed for you i too have tears in my eyes, i can feel your relief.
have a great day,you and hubby should treat yourselves this evening, may i suggest a meal for two from M&S with a bottle of wine all for a tenner.

[littlefi]

I am so pleased for you must be such a huge relief!! I agree a small treat tonight is required!!

[kazzafunk]

Well done Lem - gives me some hope!!!

[MrsKnight]

Congratulations Lem & your very welcome, best of luck on your journey to becoming debt free!!!!!!!!!!!!!

Please keep posting & letting us know how you get on, we still like to hear from posters & there journeys. You could start a blog up Lem.

[MrsKnight]

Lem - see you have got some of us on your frugal friends, Im going to add you & you can do the same for me if you wish

[Imhotep]

Well done!

Time to sit back and enjoy some well earned security

[TeetersOnHeels]

That's great news Lem!!!

[andrea1968]

brilliant news Lem-time to wind down.
best thing of all is your future is now set out before you- no more uncertainty-A DATE WHEN YOU WILL BE DEBT-FREE !!!!
and well done to Mels team for getting you through with no modifications-you lucky devil-we got an extra year-(for bad behaviour !!!)

[Skeef143]

I'm really pleased for you Lem, as I have only just begun the IVA journey myself, the "acceptance day" is still fresh in my mind. Take Care xx [:)]

[Shining]

Lem, I've got your email and replied but just had to risk coming on the forum at work to say a big well done. You've done it, you've put up with the creditors, we've given you the support. Another great result for Melanie.

Once things calm down Lem, why not start a blog as you've had a long journey that WILL help others.

Again celebrate and enjoy the feeling, those creditors can't get you down anymore!