Hello from me

[drecklylad]

I have just joined the forum to let everyone know that there is light at the end of the tunnel for everyone currently within an IVA.

I completed mine at the end of last year & I am now beginning to get my life back on track.

Good luck to everyone & keep smiling [:)]

[nittykitty]

That's really good to hear! Especially when the time drags a bit and you're wishing the IVA away so debt-free life can begin.

Congratulations on your debt-free future.

[Shining]

Hi there and welcome, you're debt free and I hope your future is a very rosy one for you. How did you find the IVA? x

[drecklylad]

Actually I found the IVA not as bad as I thought it was going to be, although I will admit it put a strain on my marriage & unfortunately it contributed to my separation (but that's another story). I believe that if it wasn't for the IVA my life may gone gone down a very tricky path so I for one would recommend it (after looking at all options of course).

[kallis3]

Hi and welcome.

So glad you finished ok, sorry that your marriage has suffered. Any chance you can get back on track with that?

[Shining]

Sorry to hear about the breakdown of your marriage but do agree an IVA isn't all bad and is a great resource for sorting out your debts. Again this doesn't suit everyone but with good initial professional advice it will suit some of us.

[drecklylad]

Unfortunately no chance of a reconciliation (although we did try). It's quite strange really, although we are separated we still have to share a joint basic account. I went to see about opening a current account in my name today but was refused due to my credit rating. I take it I will nedd to wait a little longer before this avenue opens. I will not make another attempt for a while as I don't want to jeopardise any chance I have.

[Shining]

Another basic account an option drecklylad? x

[drecklylad]

That's the strange thing, they wouldn't consider that either, although we have the joint account with them (The Haliax). They have been very supportive during the IVA but I seem to have hit a wall there.

[Foggy]

I think Lesley meant with another bank .... were the Co-op one of your creditors ? They offer Cashminders to those of us in IVA's so should have no problems with those out the other end.

[kallis3]

Sorry you can't get back together.

Agree with Foggy though - you need to try a bank who is not a creditor and Co-op come highly recommended.

[drecklylad]

Thanks for the advice I will try the Co-op they were not a creditor. i will let you know how I get on.

[kallis3]

If you go for the basic cashminder, this can only be opened over the phone or in branch but you shouldn't have any problems.