That's fantastic news, so happy for you, well done!!!!

Hi Itsallottherenow I just wanted to let you know I will be thinking of you this morning...everything is crossed...and although I don't have experience of any of your creditors, I am sure it will all be ok. A couple of weeks ago we were in the same position as you, waiting on the results of the cred...

No, unfortunately it’s an unsecured loan with Shawbrook..one of many bad mistakes I wish I could change...

Kalis the problem is our mortgage is interest only, due to finish around the time of the IVA, no equity to speak of..and I also worry about our age - I’m 45 and my husband is 50. Just feel as though great assurances were made at the start about this being the best course of action for us to address ...

Just heard that all other creditors accepted the proposal from my husband and I except for one - the main one. I have been advised by the IP that in reality they will only consider an addition £50 - £100 being paid each month, with the probability being £100. I fear this means we will have no life a...

Thanks again to you both - I will perhaps seek further advice on here depending on how the meeting goes.

Thank you both for taking the time to reply...truly. I feel nervous about mentioning the company here as they are one of the ones you have recommended in previous posts... and I really cannot fault their friendliness up until this point - it's just that now when I feel we need the support and reassu...

Hello...my husband and I have creditors meetings next Tuesday (8th) and I feel everything has changed since the initial few phones calls with the IVA company. Initially we were told that we were perfect candidates for an IVA and that all the creditors we listed were good to deal with. They were very...

That’s fantastic news..well done...and I wish you so well for the future

Thank you so much Katherine - it really is the starting point that is so frightening, and that is where we are now. Date for the creditors meeting is next Tuesday 8th and I feel physically sick and in limbo. It's the first month of not having the "safety" net of credit and we have almost run out of ...

Thanks so much Allywally..like you no one else knows our situation..I’m literally trying to paste a smile on my face in work etc while hyperventilating under the surface! Especially hard while listening to a colleague talking about spending £500 on a meal out (one meal!!) for her and her hubbie at t...

Thanks so much foggy..and you’re absolutely right about it being a life saver..I think it might quite literally be..for me anyway. I will have a good look around the forum and will definitely be reading your blog...good to not feel quite so alone..

Hi... I know the last reply was a while ago but I just wanted to say thank you for starting this thread...my husband and I are just about to start an IVA and a google search for similar experiences led me here. Like you, I was desperate for positive IVA stories rather than the horror ones I kept com...