Good post spla.
5 years ago, when i was up to my do-dahs in debt and i started my iva journey, if someone had told me, "at the end, you might have to wait for your certificate" i would have bitten there hand off for the opportunity.
I have said before, i would not gave lived long enough to pay my debts back, and i am grateful for a second chance.
As for Melanie, i think people on here tend to forget she has a business to run, and gives up her own time to help us, we would pay a fortune for the professional advice we get on here for free. (or pro bono as they say in Cardiff)
Aucto Splendore Resurgo.
IVA accepted May 2007.
Extended by 12 months in lieu of equity March 2012.
F+F offer accepted May 2012.
C of C received August 2012.
IVA dropped off credit file 24th May 2013.