Wow thanks for all your wise words and support...I begrudgingly agree, that I did sign up to this and need to honour this debt. I don't have that long to go- only another 8 months of no fun, basics toothpaste, cheap food, making do and despair. Phew. And when it's done, I look forward to being a smu...

Hiya I'm in the last year of my IVA, but even though I am supposed to be finished with the payments by October 2012. I am sick of paying, I feel I'm sick of the struggle, I've learnt my lesson, I'm sick of having no fun, I don't have a pension, no savings, no assets, I don't much money, I may lose m...