www.iva.co.uk

Hi All
My hubby Marcus has been posting on here and ive been lurking in the background. Thought I would post on here and say hi as you all seem a very freindly bunch and im itching to talk to you all.

Ok my user name is perhaps odd, since we are currently looking at an IVA and the amount we owe may not be looked upon as 'Thrifty!', but to be honest, like others im sure, I haven't lived the high life whilst using my credit, infact we robbed Peter to pay Paul, and never realised that after paying our creditors each month it never left enough money for essential living costs, and would frequently find me whipping out a credit card to pay for our groceries!

Anyway, we have set wheels in motion and are keeping our fingers crossed the fantastic Melanie and her team will be able to help us. Marcus spoke to Tina the other day and has nothing but praise already! Hope to get to know all and am praying we aren't lost causes!

Hi, and welcome to the forum.

Not often we get a husband and wife 'team' on here.

You have picked an excellent IP who comes highly rated.

I'm sure the thrifty part of your name will come into play soon!

Thank you x
Im normally the one doing all the forum chat to be honest....on this occasion though I have to admit to being in denial about our problems long after Marcus realised! He works funny hours too so see it as me filling in for him whilst he is working! [:D]

Hi and welcome to the forum, you're right we are friendly and give lots of support and advice to one another so do keep posting x

Hi and welcome to the forum. We too were in denial for quite some time and now are 4 months into the IVA and so far so good. The feeling knowing everythings paid with your own hard earned cash is amazing. Learning to say no intially was hard but we are now used to it and even managing to save a little each month. Good luck with your process and keep posting. We found this site to be a lifeline at times xx

Welcome to the forum I am sure you will find it a wealth of useful information I know I do.

Thank you all for the welcome, glad you are doing well Struzzo, and hello Lesley and Pandy[:)]

Hi Thifty, welcome to the forum, am new'ish to this myself but have heard very good things about Mel and her team. It is difficult to begin with when in an IVA but a good kind of difficult if that makes sense? at least you know whatever you buy is paid for. Take care

Hi and welcome to the forum from me too [;)]

You have chosen a great IP and team and now the ball is rolling, you will see the light agt the end of the tunnel. Ok it mught be the tiniest of glimmers to start with, but at least its there [:)]

The forum is a great source of advice and support, not only for debt. Great to have you on board xx

Great to have you on board - both as a valued forum member and also a client of my firm.

Thank you all so much for the lovely welcome.

Hello Melanie [waves] im both excited and petrified at the same time about what will happen over the coming months but I am confident you will give us your best. Look forward to chatting with you soon I hope [:)]

Thrifty,

Welcome to the forum.

You have made a wise choice in running with Melanie. Rest assured your nerves are normal for someone with a pulse. There will be highs, and lows. Lots of letters and annoying phone calls, but hopeflly the outcome will be right.
Ensure you use the forum to vent your spleen - it helps.

Good luck with your journey.

ThriftyWitch wrote:

Thank you all so much for the lovely welcome.

Hello Melanie [waves] im both excited and petrified at the same time about what will happen over the coming months but I am confident you will give us your best. Look forward to chatting with you soon I hope [:)]

Nothing to worry about - I am sure you will be fine and indeed also look to chatting with your both soon.

Thank you Sinking Fast. I scared about not paying my creditors next month. We have some rent arrears which we have to clear as priority so the rest will have to whistle for it now!
Scares the hell out of me as up until now we have paid everyone (ok quite a few late payments but everyone got paid) the mess has been created by then having no choice but to buy food/fuel etc on credit cards as we pray for pay day....only to go right back round the vicious circle again! We never budgeted (or couldn't) for car MOT's, tax etc, so that all went on the plastic [:(] Something needs to be done! So I will wait on the calls in a couple of weeks time, they will either get me in a good mood or bad won't they!

Thank you as well Melanie! Those words mean a great deal to us right now! [:)] Hope you have a fantastic weekend[:)]