My creditors have insisted on a 72 month plan, although it is longer than I first thought/expecting, I am more than happy with it as one of my loans was going to take longer than twice that amount of time to pay off.

I will start a blog very soon, can't wait to start making the payments though now!

Thanks for the kind messages everyone, do feel better this morning, the sun is slightly brighter!

I will be defo sticking with this forum, it has answered so many questions and everyone is so helpful! But the next 5 years seems daunting but it is going to be worth it, debt free is two words I never thought I could hear! I think it is just the come down, don't need to worry about money, albeit as...

I think you probably right when I come home after work there won't be a demanding letter anymore or the missed call on my mobile, I reckon I will be a lot more happier!

Hi,

Got the news my IVA had been accepted bit with a minor change to go through with no change to the payments.

I should be happy but I'm not I don't understand, any help?

Thanks very much for your help!

Hi,

I have my creditors meeting today and have forgotten to include an overdraft of £200 with the Co-Op bank I have no other debt wit them. Is my account/money at risk, so
should I ask for an adjournment or is this not possible from my side?

B H