Thanks flumpy and UTMN - you guys are great!!! Cant promise to be as fantastic as you Fergie but will do me best whilst overseeing the urban terrorist - otherwise known as my 2 year old son!! lol! And UTMN - I'll be sharing a beer or something wet and alcoholic with you too - as hubby gets home toni...

Thanks guys! I will of course keep posting. xxx

Thanks guys!! Could not have got through the last few months without this place - cant believe the amount of times I have sat at my keyboard staring at the screen through many tears!! I really hope that I can start to be of some use to other people now. It takes such a lot of time to keep up with ev...

Congratulations Brickwall!! [:D][:D][:D] Really happy for you. Have been trying to catch up with various people's developments since not being able to be on here the last couple of weeks! You must feel so relieved. We too had ours approved yesterday - feel a bit numb at the moment but am sure things...

Hello everyone![:)] Firstly sorry for my absence but I have been away at mother in laws over half term and then my laptop had to go to hospital as it wasnt very well....anyway it wasnt terminal and is now back and running thank goodness!! Thank the lord we took out a coverplan for such illnesses![:D...

Yes good luck drowning!! If you're like me you'll have not nails left either. Just found out our creditors meeting is set for midday on Weds 25th Feb.....aaggghhhhh - now it really is real!!! Anyway fingers crossed you'll be celebrating tomorrow night - am sure you will be!! [;)] Thinking of you.......

haha drowning [:D] - excellent! Yes lets hope we are the experts and that the stalwarts are on the road to riches again and able to give experience of life after an IVA - not too many posters of that variety! lol! Good luck with your meeting - makes my stomach churn just thinking about it - unfortun...

Ah thanks Jan and Skippy - tell me about it - it has felt like one big long tunnel! I just pray to god at the end of it there really is a light (as I type I'm ignoring the phone ringing from another creditor - aaagghhh!!). Anyway its the likes of you guys that cheer us novices up and keep us going! ...

Thanks to you too UTMN!! How's it going for you since getting your F&F approval - one big hangover??!?!! lol! Will keep you posted and really hope to have some good news soon! Fi xx

Just wanted to say hi to drowning and 1973 and to wish you both luck with your proposals. I've just sent mine off and anticipate creditors meeting at the end of the month - having started the process back in October it has been a really stressful time. But here's hoping that we all get sorted soon a...

Ah thanks a lot Fergie!! That's really sweet and touching! Proposals have been signed and sent back. Now just the wait to the creditors meeting and the nail biting approval part! Oh and just the 5 years of praying nothing goes wrong!![^] But your thoughts and wishes mean tons!! Thanks babes! Fi xx

Hey Pap - know exactly how you are feeling but try not to worry. We have just sent off our signed proposals and so hope to have our creditors meeting at the end of this month. We started the process back in October and the phone calls (all of which I personally have not answered - my hubbie takes th...

hello...can I join in please! lol....the smell of a new born baby, creosote (I know..weird), the smell of a mans skin straight after a shave, chanel egoiste, fresh laundry, fresh bread and baking cakes, freshly made coffee, a good bottle of red....actually the list is endless..oh yes lovely clean fr...

I know its all very hypothetical but if by some remote chance you did win the lottery and were able to pay off your complete debt would you then still have the IVA on your credit score for the full 6 years or would that be cleared?[:I]

Thanks Mel - although unfortunately no chance of any hand outs like that just now (how great would that be!!) but who knows what the future holds!! xx