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Post by whatarelief » Mon Aug 16, 2010 1:00 am
My first post just to say thank you all for this forum which has managed to answer all of my questions without me having to ask. I have stayed lurking in the shadows so as not to tempt fate, I am a bit superstitious ! I wanted to share my good news creditors meeting on 12th august and all of my creditors voted yes even the dreaded hsbc and mbna so will be making 60 payments of £232 to cccsva with a return of 18.96p in the pound. I can finally live again and my wife and three children will not have such a grumpy man around the house.
I will try and come back with updates as to how things are going so once again thanks to everyone using this forum you have quite literally turned my life around.


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Post by MelanieGiles » Mon Aug 16, 2010 2:14 am
Hi there and welcome to the forum

What brilliant news for you, and I do hope that your IVA journey with CCCSVA will be a smooth one.

Don't worry - most of us ladies have some form of grumpy man around the house, but we love you all dearly, so don't change too much!!
Regards, Melanie Giles, Insolvency Practitioner


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Post by Shining » Mon Aug 16, 2010 4:25 am
Hi there and welcome to the forum, congratulations on your IVA acceptance and I hope your IVA runs smoothly for you.

I am so pleased the forum has helped you and your questions were answered. Enjoy your journey to debt freedom and it would be lovely to hear how you're doing now and then. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.


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Post by luluj » Mon Aug 16, 2010 6:00 am
Welcome to the IVA journey - you will find it is very rewarding having to learn to budget and live within a tightly controlled I&E, but somehow enjoyable. There are tough times, and sometimes you think why oh why......but time goes quickly and before you know it you will be half way through, and then the end !
Stick to using the forum - if only it is for reading other people's posts - lots of information, lots of clarification and an opportunity to ask questions !
Good luck x
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"


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Post by kallis3 » Mon Aug 16, 2010 8:14 am
Welcome to the forum from me as well and congratulations on having your IVA accepted.

We're here for any questions and support you may need so please come back and visit us.
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.

Tina Shortland

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Post by Tina Shortland » Mon Aug 16, 2010 10:34 am
Congratulations on your good news and glad your forum name lived up to itself!

Here's to you and your family enjoying a different way of life now and so glad everyone on here has helped you along the way. Let us know how you are doing from time to time - its always good to hear how indivudal experiences have been.

Best wishes,
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at

If you’re ready to ask us for specific advice or help, then get in touch at so you can start to free yourself from the stress and anxiety of overwhelming debt.


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Post by Goosed » Mon Aug 16, 2010 1:47 pm
Hi whatarelief, Congratulations on your succesfull IVA proposal. This forum is a Godsend, stay around and help other people who are at the start of the journey.
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".

Eric Cantona
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