I had £50 a month contingency.

Ridiculous!!

Hope you get it sorted soon.

Hi Becky

Just wanted to say I hope this is sorted for you.

It's a stressful time.

Pixie, I can't believe they haven't cashed the cheque yet! You would think that was the first thing they would do. My cheque was cashed immediately although I am still waiting for the completion certificate. I also now have a copy of the chairmans report, it looks like all my debts are with Max some...

Congratulations and don't be scared! In 5 years you will be debt free. If you didn't have the IVA think what an awful position you would be in in 5 years. Being in an IVA isn't SO bad, it's tough but you will have enough money to live on. It also goes so fast! I was in mine for over a year and a hal...

Hi, re Lloyds - Lloyds were my biggest creditor (£24k) and they didn't bother voting in my meeting!

Congratulations Scott!!

What a fab start to the year.

I hope you are celebrating tonight!

I'm with Alliance and Leicester and have a debit card.

A big congratulations!

Wave good bye to your debt...!

Well done! I bet the next 2.5 years will fly by!

Not long to go at all!

Was doing my weekly shop today and noticed all their electrical goods are half price! I picked up a toaster and hairdryer for a very reasonable price!

p.s. I was already in an IVA so that may be why it was so quick. Are you setting up a full and final settlement IVA or are you already in one?

Hi Marley

My meeting was set up within about 4 hours of them receiving the paperwork! I had to wait just over 3 weeks for the meeting and I was notified of the decision within 30 mins of the meeting.

When did you send your paperwork off and who are you with?

I will keep my fingers crossed for you!

Thanks Melanie.

I will chase the paperwork.

Hi, my full and final settlement was accepted last Wednesday and I have not yet received any paperwork. Before my bf sends the cheque for the money off is there anything else that is needed from me? Should I wait until I receive the paperwork before I send anything. I am presuming i need to sign som...