Foolish i know and hindsight is a great thing!!!! i managed to win £1500 from a bank who charged mefees and in stead of paying it into the iva has spent it on my old car and other things i know reckless!!! am i doomed to be bankrupt now??

Well done Kal, m only just beginning to believe its real! all the best!

Hi Rollercoasterride, i have gone through an IVA and i found my IP wouldnt give me any ideas, but then found out another person on this site found who had voted so i think it may differ depending on the company, although not %100, good luck with it, it is a worrying time but the relief afterwards is...

All the best Mark,it is a very worrying time but once through, the relief is unbelievable!!

Well done Frankie im so glad we all got through!!! im on the champers too!

Thankyou mikey, i dont know where frankie has gone!!

I know what you mean Mikey i just feel a bit numb at the moment in disbelief

yes where is Frankie!!!??

Just to say a big thankyou to all for the support over this very stressful period and thanks to Ang who was there for me to talk to during the final few minutes before the call! Ican honestly say that with all the stress and fear this whole thing has put me off credit for life!! not a bad thing thou...

i was just typing they still havent rung when.....

for info
HSBC accepted with an increase (no surprise there)
cahoot didnt vote
Barclaycard accepted
Abbey accepted
MBNA rejected
Egg accepted

MOST DEFINATELY ON THE CHAMPERS!!!

ACCEPTED[:D]

Thats brilliant ang you should be chuffed with that loss!

Dont worry sadly its not something i can forget! 10 mins now!!!