We had our IVA with Grant Thornton, we made our last payment at the end of January 2013 and today our completion certificate arrived in the post. [:)] We have not had to e-mail anyone or make numerous phone calls to get the certificate, in fact the whole process had been very straight-forward. While...

Just got in from work and reading the replies has cheered me up so much, thank you. I was feeling like we were in this self-induced postition all alone, but not anymore! I know what you mean about the kids suffering, we have 3 sons, 18,17 and 14, they have been great but, I still feel dreadful. On t...

Thank you.
Got to pull the OH out of his depression, not like him to be on a downer, that's my job!

Hi, I wish I had found this site a couple of years ago, still better late than never! We are 27 months into our IVA and it's been a struggle, but it is getting better. We still have bad months, unexpected things to pay for etc. But with a little sideways thinking we have managed to cope so far. We g...