I just want to say a massive thank you to everyone on this forum. I have just had my IVA accepted through Payplan and the creditors have accepted the arrangement. I have not posted anything, however the advice and information I have found on this forum is invaluable.
I had debts of over £31,000 and I will pay back £15,600 over the agreement. I was so worried when I first started the application back end of March, however the relief I now feel knowing that although the hard work starts now, I am on the journey to being debt free.
But thank you to anyone who has posted on here, as your previous advice allowed me to start the IVA, I do feel I would have struggled and buried my head under the sand even longer.