I just wanted to post saying that there is life beyond an IVA, and to keep going and don't give up. In the middle, I remember, I thought it would never end. But here I am, six and a half years after the IVA was accepted, debt free, and with a four figure sum in savings, a proper bank account with a real debit card, a credit card (for use only for emergencies and to rent cars!). It does all come to an end and life does get better. I want to say how prompt and helpful Payplan were throughout the experience. I know others have had bad experiences with them, but they were great for me. (I wish I could say the same for Equity in Finance!) Also, Yorkshire Bank whose Readycash account was excellent, and the next best thing to a proper account. They didn't hold the IVA against me, and as soon as the credit reference file was cleared up in January, they told me I could have any bank account I wanted. I can't tell you how much good it did me to hear a bank tell me that.
If any of that is an encouragement to keep going, and not give up, then please accept it as such.[:)]
Well done ...hopefully your post with give confidence to those who are currently mid way through and thinking they can't do it ....... You can and you will...stick to the budget, work with your IP and stay focused on a debt free life at the end of it all!
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
And good for Yorkshire Bank too 
