well done from me too 12months to go, must be a really good feeling and also to you Artemischild for also completing, i have just over 4 months to go and it can't come quick enough, unfortunately i have injured my elbow and am possibly facing surgery so i hoping this doesn't have an adverse affect on my finances, all i can say is thankgod for mortgage protection and the foresight for having paid it. xxx
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.