Hi my husband has just upgraded his phone with o2 and he had no problem

May your spot on there i still get letters asking if i would like this loan and that loan ,do they ever learn.

YES YOU GET AN ANNUAL REVIEW BUT EVERY THREE MONTHS WE HAVE TO SEND PAYSLIPS TO SEE IF WE HAVE MADE ANY EXTRA MONEY .AS FOR NEEDING TO BUY SOMETHING BIG IM NOT SURE BUT I THINK YOU MAY BE ABLE TO TAKE A PAYMENT BREAK AS LONG AS YOU MAKE SURE YOU PAY THE MISSED MONEY BACK BUT YOU WOULD NEED TO SPEAK ...

TELL ME ABOUT IT IM EXACTLY THE SAME YOUR HEAD IS JUST FULL OF IFS AND MAYBE.I HAD MY IVA ACCEPTED IN SEPTEMBER AND MY HEAD IS STILL BUZZING.

MY IVA STATES THAT ANYTHING THAT WE EARN OVER OUR NET INCOME WE WILL PAY 50% OF THIS TO OUR CREDITORS SO YOURS MAYBE THE SAME

YES GUD LUCK I KNOW WHAT IT FEELS LIKE NOT KNOWING WHAT THE OUTCOME WILL BE BUT AT LEAST YOUVE MADE THE FIRST AND THE HARDEST STEP TO SORT OUT YOUR PROBLEM.IM SURE EVERYTHING WILL BE OK YOUR IP WOULD NOT PUT YOUR IVA FORWARD IF THEY DIDNT THINK IT WOULD BE APPROVED.I MEAN THEY NOT GONNA DO ALL THAT ...

THANKS MAY I KNOW WHAT YOU MEAN ABOUT THE LENDERS TAKING A BIT MORE RESPONSIBILITY WHEN LENDING MONEY.IVE HAVENT TOLD MY PARENTS THEY WOULD BE ABSOLUTELY GUTTED. IVE TOLD MY BROTHER WHO WAS VERY UNDERSTANDING I THINK ITS A GENERATION THING HE WAS SO BLASE ABOUT THE WHOLE SITUATION WHICH MADE ME FEEL...

UNFORTUNATELY MY HUSBAND IS IN WITH THE IVA NOT THROUGH HIS FAULT BUT MINE WE HAD A JOINT LOAN OFF A FEW YEARS AGO SO WE HAD NO CHOICE BUT TO INCLUDE THIS DEBT ASWELL SO I FEEL EVEN MORE GUILTY FOR INVOLVING HIM. I DONT THINK THAT 1.96 IS GONNA MAKE ADIFFERENCE THATS THERE FAULT FOR NOT CANCELING TH...

THANKS SKIPPY HOW AM I COPING WITH IVA WELL COPING THE BEST I CAN .YOU THINK YOU ARE GOING TO INSTANTLY FEEL RELIEF BUT I THINK THAT IT FEELS MORE LIKE SHOCK ITS LIKE YOUVE COMMITTED SOME CRIME THE GUILT IS UNBELIEVABLE .BUT AT LEAST ITS OUT IN THE OPEN NOW AND GOT TO CONCENTRATE ON THE END . HOW AR...

HI EVERYONE BEEN READING ALL YOUR POSTS FOR A FEW WEEKS NOW GREAT TO KNOW THERE IS OTHER PEOPLE IN THE SAME SITUATION HAD OUR IVA APPROVED IN SEPTEMBER . WE ARE HAPPY IN ONE SENSE THAT OUR TERRIBLE DEBT SITUATION IS OUT IN THE OPEN NOW .MY HUSBAND DIDNT HAVE A CLUE ABOUT THE STATE OF MY FINANCES ITS...