Thanks for your reply.

I guessed this probably would be the most sensible route to go down.

Just hope it doesn't cause much trouble, it felt so good the past few months, the worry had lifted.

I last paid a phone bill in November I think, so I guess it has been a while..

Thanks Again

Hi everybody. I'm glad to say my initial failed submission has been revoked and my IVA has now been accepted! It's been running smoothly for 3 months now. However, I have run into a little problem. I had a mobile phone contract that I hadn't been using (mainly because of creditors calls) and I compl...

Well, I finally decided to go through with the IVA a few months ago, but it was rejected today. I was really hoping it would be the best Christmas present possible, hearing that it had been accepted. I don't really understand where I go from here, I guess this means the phone calls and letters start...

Tina, contact form has been sent, Thanks.

Missy80, thanks for your support, it's good to hear the others have been in the same position. iva.com worked for me as soon as I had finished posting the last message!!

Yes Tina, that would be great.

iva.com doesn't seem to be working, is this the case for anyone else?

Hello again, firstly thank you everyone for your time and help. I was being extremely sensible with my outgoings. I was trying to cut out on the things I buy that maybe I could do without or find a cheaper alternative. As a result I guess I have cut corners on things that maybe I shouldn't have. The...

Good evening all, I am hoping for some advice to see whether an IVA is right for me or not. I have debts of nearly £20k, owing money to 5 different lenders. I do not own a house and I am living with my parents. I was comfortably paying off the monthly payments on time up until just over a year ago w...