Had my first creditor phone call today since my IVA was in place. What a feeling to tell them it's all sorted and in place and please stop bothering me. The operator just hung up....now thats great customer service for you. Keep em coming i'm on a roll.

We have today had our IVA approved and what a feeling it is. Haven't slept properly since our meeting date came through. A huge thank you to Melanie, Hywel and Angela for all the help and support they have given us. It took us a long time to decide to do something about our debt but now I wonder why...

Thankyou all for the quick replys. I came across this forum today and I can't believe how many people are in the same boat. Thank you all for your kind words and advice. I have contacted the first IVA I came across but looking at other posts I think I will look further. I understand that an IVA is n...

Hi all, Just contacted an agency today who have been very helpful. Have debts around 40000 with HSBC and Cahoot. They have advised an IVA. Problem is I've never missed a payment as I don't want to get into further trouble. But my life and childrens life has been on hold as I can never afford anythin...