Kallis & Breezy thank you, you both been very helpful to me. Kallis the temperatures here last week were extreme, nearly 40c in April! That’s the kind of temperature we expect in August. But for me at least being confined to the cave house meant that I was kept cool. It’s always 16-18c in a cave hou...

Hi All, My apologies for not being on here much of late, I never intended to be someone that took all the advice and gave nothing back. It’s been a busy few months here for me! I have some great news; we have managed to sell our cave house and have had an offer accepted on a much more suitable prope...

Hi all, I just wanted to share with you my IVA story as although probably not unique, it was a little different as i applied and conducted my IVA while living in Spain. I took early retirement nearly 3 yrs ago due to health problems and decided to take the last opportunity to move to Spain before br...

Thank you Kallis3. I’m over the moon!!

Thanks Brezzy! I am so relieved to be done with all!

Finally it’s happened!! I received an email today, it was my long awaited completion report and certificate! My IVA is finally paid up and completed. I’m not sure if I will be receiving a letter posted to me as I’m not in the UK. But I am so delighted with the email that I don’t care atm. The fact I...

Thanks Breezy!! It does sound a little anti-climatic 🤣 and there was me hoping to frame it and hang it in the loo 😉 Fingers crossed that they do come together it's been long enough waiting for it to finish up. I'm so glad I was able to submit a f&f when I did as the cost of living is starting to bit...

Hi all, My apologies for not being around much, I’ve had a rather torrid time with regards to my IVA in recent months. After my f&f offer was accepted on the 28th July There was a problem with one of my creditors (New Day CC)not being able to find my account details with regards to the money I owed ...

Thank you Kallis and Breezy Kallis, I don't have any paperwork or information regarding my old account. I destroyed my card months ago and as New Day closed my account once I was on an IVA I can't access the app and can't remember my log in details as I looked in with my thumb. Breezy my IP have bee...

Hi all, As I said in previous posts my f&f offer was accepted by my creditors and my IVA practitioners informed that it should take a couple of weeks to close my IVA. However, there is a problem! One of my creditors can't find the account information for the credit card I had with them! I don't have...

Oops Kallis! Grrr predictive text

Thanks Kellis, I'll keep you posted on the move and let you know when the holiday let is ready

Thank you Breezy and Kallis, it's been a stressful few days waiting to hear but now I can breathe a sigh of relief! I understand that my IVA will still be on file until the completion of its term and my credit rating is shot but they don't really concern me as living in Spain they don't use UK credi...

I've finally been given the great news that my f&f offer has been accepted!! 😁 It's been a stressful few days as my meeting had been arranged for 27/7 which incidentally was my birthday. So I guess this is a belated birthday present. They called a few minutes ago after yet another email from me. So ...

Thanks Kallis I will do. I just can't think of what could have caused the problem. I keep changing from being positive to thinking negative. It's very stressful.