Robert. I apologise if my 'bad' advice popped your bubble. Yes, there may be options, but you may try these and be further disappointed.
We give up our time to share out experiences and I am afraid that those include the negative aspects as well. We, too, have been exactly where you are, we have also lived, managed and survived our own IVAs and our range of experiences encompass the whole spectrun shown in this post: from total credit blocking to, maybe, finding a chink of light in that wall.
I am a grumpy old b******, others more sweetness, but I sincerely hope that you manage to find your way.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk
I can relate to being a grumpy git - not sure if I can say old as 37 but certainly feel like ive experienced my fair share
Any chinks of light welcome as desperately trying to get back on ones feet and working balls off (two jobs at present) and lining up a 3rd.
The forum has been useful in that I chased my practitioner for the completion certificate as its been almost 5 months in the form of a formal complaint and they called me back the same day (after not replying to emails or calls) with an apology and confirmed I would have it by the end of the week. Turns out they dont like the concept of a complaint to the Complaint Gateway - so thats good news.
I would rather paint a bit of a gloomy picture than give someone false hope and it all come crashing down.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk