Thanks for the replies - I spent last night completing my form & it is now ready to be posted recorded delivery today.

I am up for a review & am wondering if there are any guidelines for for allowances?
Thanks.

Just got this email myself, it had gone into my spam folder - i wouldn't have opened it had i not been on here as i have no idea who this Nancy person is. The email is very very harsh i think.

I know what you are saying about sticking with it but I can't see any point as what happens when the iva ends? I am then stuck with a house that I have to sell & will be in negative equity so then I have to find half the money ( my ex has to find the other half ) which I have no way of raising + I s...

Thank you for that, renting will be more than my mortgage, so this maybe the way forward in the near future.

Steve.

I am approaching completing my second year of iva & am now wondering if I would be better off going bankrupt instead although I am managing ok with the iva. My reasons are as follows My ex partner is named on the mortgage of my house & wont want to stay on it forever ( she has signed an agreement pr...

Just got my letter today, will wait and see what happens before passing judgement. I think I might have deleted my email as I recall seeing something in my spam folder yesterday.

Thankyou for the replies - they have just come home tonight so all is chaos!! ( but wonderful too )

Steve.

Not been round much since my iva was approved last month - been a very busy time, but some more good news, my eldest daughter gave birth to my first grandchild yesterday - Issac James arrived at 10.25 yesterday morning weighing in at a healthy 7lb 12. Steph had to have a c section as baby was breech...

It has turned into a brilliant day let the countdown to being debtfree begin!
Thanks for all the replies.

Steve.

Thanks everyone - just want to get on with it now.

Steve.

Have just got to post in another section of the forum but it's good news - my IVA has been APPROVED [:)] I have thanked everyone in the IVA approved section but i dont mind doing it again in here, so here we go - thanks to Mel, Claire, Kelly & Amie at IVA Advice Co, what a wonderful team you have th...

Just had the call off Claire to say my iva has been approved [:)][:)] Just a couple of minor modifications have been made but what a huge relief. I would like to say a massive massive thankyou to Mel, Claire, Kelly & Amie at the IVA Advice Co for all their help over the past few weeks - i really don...

Is my creditors meeting - i have been fine all through the process but now the nerves have set in. As soon as i know anything i will post my news.

Steve.

Thats good news, lets hope i get the same result tomorrow!!

Steve