Thank you all for your help, especially MerlinL14 as I now have Christmas sorted, my kids will be pleased.

Thank you Niobe. I am very happy with my IVA, the letter is now in the recycle bin.

Hello again. I am with Freeman Jones, and I have to say they have been great with me from the beginning. I do understand the I will have to release equity on my property if it is available, up to 85% of the available equity, and that they must be more then £5000 available before it is considered, I ...

Hello. I do think that I have done the right thing, I have finally stopped going around in circles and kidding myself. I think it is just the uncertainty about releasing equity in my property, or doing a sixth year, I still find the process slightly confusing, I need to relax I guess, see how much I...

Hello.

Thank you for your responses, you all make perfect sense
and of course you are all correct.

I think that it is just taking me some time to adapt.

once again thank you

Hello. I have been in the IVA for 6 months, I can afford the payments, and its great to be protected by the IVA. The regret that I have is that I am being charges an awful lot in charges, and if I had not of rushed in I could of achieved the same through the CAB. There is a glaring positive to payin...

Hello. I would like to inquiry, has anybody entered into an IVA, then decided it was not the correct route for them. I ask because I feel that I jumped into quick, and used a commercial firm, but I now think that I should of approached the CAB first. I would like some advise, because I am protected ...