www.iva.co.uk

Posted: **Fri Nov 27, 2009 11:34 pm**

I came out of my iva in January this year.

with in 3 months i was given a credit card with a bank, today i have got a visa debit card.

The point is that your credit limit is meant to be doomed for 6 years and its not.

Life is their.

I apologise for not been on here more often, but i was not back for a request for been an expert.

The only reason why i wanted to be an expert was becuase of the problems i had to overcoem with creditors and how i got round them, such as smoking allowance, cash lump sums etc, it wasnt a case of been dishonest, but the oposite, of been honest its how you ago about it that makes the difference.

I have just read through a load of questions, my biggest advice dont let it worry you, its not as bad as it seams

Posted: **Fri Nov 27, 2009 11:38 pm**

Hi James, how are the girls?

Posted: **Fri Nov 27, 2009 11:39 pm**

Welcome back, I'm quite new here....I don't think you have to be a forum 'expert' for members to listen to your advice, you have been there and know what it's like xxx

Posted: **Fri Nov 27, 2009 11:40 pm**

the girls are brillant, anabelle as been in hospitail 7 times this year, but for last 3 months been ok.

They are either fighting or laughing together

ps i had the snip 2 days ago

Posted: **Fri Nov 27, 2009 11:42 pm**

yeah your right cath without a doubt.

But it was something i wanted to get my teeth in to, to stop people worrying like i did and help them out, since the iva forumn gave me so much help

Posted: **Fri Nov 27, 2009 11:46 pm**

Well done James!!

Hug them both for me please xx

Posted: **Fri Nov 27, 2009 11:47 pm**

I know what you mean, the forum has been my lifeline. My hubby had the snip years ago.....milked it to death for a week or so!

Posted: **Fri Nov 27, 2009 11:52 pm**

i only milked it for 2 days

Posted: **Fri Nov 27, 2009 11:52 pm**

James, Cath is right. You dont have to be a forum expert to do your bit xx

Posted: **Sat Nov 28, 2009 1:38 am**

Can we have some new photos please James?

Posted: **Sat Nov 28, 2009 5:56 am**

Hi James be nice to see how the twins have changed? I have twin grandsons now 12 weeks old they are and absolutely gorgeous.

Posted: **Sat Nov 28, 2009 11:14 pm**

ready for this, they are 22 months old, i will search through my old e-mails to find out how to send an up to date photo

Posted: **Sat Nov 28, 2009 11:22 pm**

Wow! doesnt time fly? cant wait to see a pic x

Posted: **Sun Nov 29, 2009 12:34 am**

I can't believe it is that long since they were born James. They are positively little ladies now and not babies any more, Are they still in Shameless?

www.iva.co.uk

its not dome