That's good to know, thanks Jan. I'm still waiting to hear from my IP whether we can proceed with our proposal....it's never ending x

Thanks Cath....what happened with your IVA Proposal? x

I couldn't agree more Mel - my husband's Accountants are atrocious - it literally has been like getting blood out of a stone, that's the only way I can describe it. Let's hope we can get sorted now x

Thanks oreetspud...I thought we'd have well sorted it by now, but as I've said, my husband's company accountant has taken since October to send us the information we needed to enable our IP to properly review our file. In the meantime our debts have been increasing with interest being added, as we h...

I haven't posted on here for a while - we initially started the IVA process in September, our papers were passed to IVA Bureau in October, and we have been waiting for information from my husband's company accountant since then, which only arrived last week!! It's been like getting blood out of a st...

Thanks Mel - I did tell her I wasn't in a position to make a payment, as this would be unfair to our other creditors. I'll e-mail you directly.

Hi Mel I haven't posted on here for a while, been busy with Christmas and stuff - by the way Happy New Year! Claire Jackson at your office is my caseworker for our IVA Application - we have been waiting on information from my husband's company accountant, and hopefully should have it tomorrow at las...

Thanks for your ongoing support xx

That's it Kallis - I really have hardened up to all the letters, I just pass them on to my IP...defaults don't scare me any more!! I know I'm doing my best, and that's all I can do xx

That's good - not too long to wait around! My creditors meeting is not going to be until the New Year the way things are going, but I'm trying not to worry - you and Pennyless got there in the end, so I will too x

That's why I've come onto the forum tonight -I've been so tired in the evenings I haven't had the energy to even look at the computer!! I take it soashamed hasn't posted for a while either? Maybe with Christmas coming up everyone's busy. You're so close to being sorted now - what time is your credit...

HI qwdihw - I'm in exactly the same position as you - I'm getting default notices every other day, but haven't bothered calling my creditors - I've just been passing the letters onto my IP. I'm still waiting on documents too, if that makes you feel any better - relying on other people to send inform...

Hi Cath - sorry I haven't been on for a while, been working hard and running round after the kids!! I'm made up you're nearly there hun...chin up, it'll be fine. I'm in the same boat as you were a few weeks ago - still waiting for paperwork!!! I hate relying on other people. Getting Default Notices ...

Same here - I'm still waiting for some documents to arrive to send to our IP before our Proposal can be drafted - seems to be taking forever!! I hate waiting on other people to send me information. Good luck everyone x

So very well done penny an mel's team! great result, hope u r happy penny - just want to wish u all the best - please keep postin still need your support rainbow xx