thanks for all the responses. there is about £14k equity in property and we owe £111k.

I will be contacting my IP to discuss in more detail, was just visiting forum late last night and thought I'd post my intial question.

thanks again x

I am currently in an IVA as is my husband. Our marriage has broken down and we've now separated and he has moved out of the home. I can afford to keep the mortgage on by myself as I have started a new job on 1 April however I only wish to remain here for the short term and would like to know what op...

I am currently in an IVA as is my husband. Our marriage has broken down and we''ve now separated and he has moved out of the home. I can afford to keep the mortgage on by myself as I have started a new job on 1 April however I only wish to remain here for the short term and would like to know what o...

Welll done Connie! Totally agree with your praise for Melanie and her team as my husband and I are with them and are now 2 weeks into our IVA!

L x

Just seen these postings and starting to panic. I have a sole trader and limited company account with HSBC and my IVA was accepted on Friday last week. Will they be able to close these accounts?

L x

Well done!

You're right about the relief being undescribable.

L x (a fellow lurker!)

Both mine and my husbands IVA's have just been accepted with only slight modifications- I am so relieved! I know it's going to be a challenge living within the budget we have but where there's a will there's a way and I am just so glad that there is now light at the end of the tunnel. Many thanks & ...

Thank you! Working from home so keeping busy tidying my desk and catching up on the mundane filing and bookeeping that I've been putting off!

Will post outcome as I find out.

L x

Both mine and my husbands creditors meeting is happening at 10.30 today so fingers crossed! How long does it normally take to hear how its gone?

L x

Thanks to everyone for their well wishes for our creditors meeting in a couple of weeks time. I will post on the forum as soon as we hear the outcome!

L x

Both me and my husband are currently going through the IVA process and have been to see Melanie today in Cardiff to finalise our proposals. I was going to wait until after the creditors meeting to shower this praise but decided to do it now! From our initial conversations with Tina, the ongoing supp...