There are some fantastic people on this forum - I'm so glad I found it. Thanks for your words ang, I know I probably sound like a whinging spoilt child but I do need reasurrance in just about everything I do!! I'll probably be asking questions all the way now, and if I do, you'll have to forgive me ...

Pinch my idea if you want - i'll just charge royalties then I can pay a a bit more to my creditors!!! lol. Might even patent the idea! What is the success rate for ivas? Or do i really want to know that? I'll just start worrying again. Just wish Friday would hurry up and come. If an iva gets rejecte...

Hi Worryhead Thanks for your reply. I too keep hearing that voice inside my head saying they wouldn't go through with it if they didn't think I had a chance - but then the doubting side keeps saying what if??? I'm expecting my husbands iva to have mods cos his offer is only 27p/£ - mine is 47p. We c...

Hi all! I've been reading your forum for a couple of weeks now since I bit the bullet & admitted my debts. I'm in the process of applying for an iva (creditors meeting 14th March!!) and am on such an emotional roller coaster - I'm shaking just typing this message! It's a joint iva with my hubby. Jus...