Congratulations. For someone just at the beginning of the iva process seeing success stories like this gives me a lot of hope.

Have a fantastic Christmas.

I'm with FSS and all I can say (3 months in) is that they are all a fantastic bunch of people. They really are there to help.

Haha thanks Foggy, I think it's great to have all aspects. People who have been in their iva's longer and have a bit more experience as well as those who have long been out of the iva sharing experience now their records and clean so far everyone has been very helpful and very supportive.

Ant

Hi Lauren, My family don't know about my iva, nor do my friends, although my partner does. I would never tell my parents because my dad is a previous bankrupt and I honestly feel like I would be seen as such a failure in his eyes to follow in his footsteps of insolvency. On the plus it's getting sor...

Thanks luluj, I think once I've settled my iva I'll drop them an email to see where I go from there.

As you say -- it all depends on the framing of 'that' question. Apart from the timescales questioned, some will ask about bankruptcy, others will widen the query to cover IVA's, or any other arrangements or compounding of debts (which covers most things). I would imagine, after the covid dust settl...

Whilst I am fresh in my iva with a hope of buying my first property with my partner when I have finished I have been reviewing many main stream lenders. Whilst a few ask the question have you ever made agreements with creditors, which the answer would be yes. Some only seem interested if you have be...

Whilst I plan on settling early the iva will be with me for the next 6 years. Well, October 2026 wahoo. Whilst I feel a bit silly for jumping into it given recent inheritance and redundancy payment pending I honestly believe this impact to my credit record will stop me from being a silly sausage in ...

I am also with FSS I've been woth them for just a few months and they have honestly been amazing. As discussed also answer the phone, always polite and respectful and answer any questions I've ever raised.

Unsure about the debts but I had a majority with Vanquis and mine was accepted.

Thank you Kallis,

I think with just starting the iva, gaining inheritance and redundancy as well as starting a better paid job had just become so overwhelming. But I'm on the right track and think I made the right decision financially to get me out of a financial rutt.

Nothing to add other than to wish you luck in your new job. In the current climate to move straight into new employment which is better paid is an excellent achievement. 5 years and 8 months will seem a lifetime but I can assure you it will go quickly. Thank you luluj in a way I'm glad to hit to my...

Hi Foggy,

Thanks again for your help

Ant

Yea I definitely will. I think I may keep some of the redundancy to get me through my MOT, and the first month of next year until I'm paid. Is this allowed? I know I'm better off speaking to my handlers but surely some can be kept back for the time being? It's less than 6months of my annual income.

Hi Foggy, Thank you for the reply. The inheritance and redundancy will pay for everything 100p to the £ inclusive of fees and original debts. Thank you I did think I was clutching at straws and the defaults on my record will be with me for the 6 years anyway. Hindesight is wonderful, had I of been a...

Hi all, my names Ant, I started my iva in October this year and have made 3 payments so far. Shortly after starting my iva I had some inheritance which has all be paid in. I am also being made redundant and have managed to get a better paid job meaning my redundancy will pay off the remainder balanc...