Woooooooo hooooooooo indeed hugemess! sorry you had to wait so long for your response, but, like me you must be absolutely over the moon now! Time for a name change too???

Thanks Tina, I was thinking about something along the lines of "ModerateAmountof CashResponsiblyManaged" or something like that, what do you think?

Hughmess, sorry didn't see your post before my outburst, I'd give them a call, I was just about to, just to make sure its all going ok, please let me know when you have your result, I really, really empathize with how you are feeling right now, best of luck.

WoooHooo, just got phone call, all done, offer accepted!! Its all over, I cant believe it, I'm so happy! Will post some more useful comments once I have become less emotional! WoooooooooHooooooooooooooooooo!

Arrrrg, an hour since the start time, still waiting....I'm freaking out here!

Thank you, Ill post back as soon as I get "The Phone Call"......

2 hours till meeting, very nervous, hope its a positive outcome.......

Thank you, I will let you know what happens.

Well, I've been waiting and sending lots of letters and forms back and forth, but finally got a date for my creditors meeting, I got a letter a week ago saying it would be held on the 13th January. By that time I will have paid another £900.00 in to the arrangement, so I guess my offer will look all...

Thanks for your comments, I'll keep you posted on my progress.

Over 54p!!That's really bad they made you wait so long over such an insignificant amount!

Well done again on your debt-free-ness![:)]

Thanks Ian, very comforting to know that my offer is realistic. Really well done on getting your certificate, must be a massive weight off your mind, how long did the process take, from making the offer to getting your certificate? I'm not in a great rush, but would be nice to know how far the light...

Hi, First post on this forum, wish I'd found it a few years ago, oh well. I'm currently towards the end of the 4th year of my IVA, for which I pay £300 a month, and have made £400 worth of overpayments since I started. Unfortunately, due to a period of unemployment I had several payments added on to...