www.iva.co.uk

Beyond anything to do with Lilaclady I will not be contributing to the board for at least the next couple of months.

I need to spend some time cleaning up after the IVA and generally do what is needed for the future.

I am really grateful for this board and the knowledge of its members.

I have been luckier than some in terms of getting my completion certificate and consider myself really lucky that I was able to get it at this point.

Despite what insiders may be believe I think that the whole IVA industry is best described with a word that starts with an f and ends with a d.

I also think that when everything comes out in the wash some of the apparent good guys will viewed far differently.

For anyone whose IVA is due to end before or around 2018 I suggest that you do whatever is needed to complete successfully and under no circumstances accept delays in getting your certificates.

For anyone due to finish after 2018 I suggest that you get yourself clued up as much as possible about IVA's and that you take nothing at face value from your IVA company.

With PPI reclaims coming to an end I think a lot more companies will fold because they were dependent on that income stream and would have folded by now without it.

We have also seen at least 3 companies close this year alone so nothing is certain.

I know that I am coming across as incredibly cynical but you have to remember that once you are in an IVA you are a commodity that can be bought and sold and can be used to bring an injection of cash into a business.

It is also part of your financial re-education. Whatever the reason you had to go into an IVA you need to ensure that you learn from it.

I hope the next few months brings everyone what they most wish for.

I know where you are coming from, on all fronts, there. Don't stay away too long ... hopefully we will still be here on your return.

Agree - your input has been invaluable and should continue to be so but do understand where you are coming from in needing to take a break.

Enjoy your life! it should be easier now? thanks for all your knowledge and hope to see you back when you are revitalised!!

Well hopefully when you back we will have finished our iva and sailing off into the sunset.
I think also the whole iva thing is one day going to explode to the extent that individuals are going to be left with a whole load of mess they will have to clean up.
If I was taking out an iva now I would be looking at the small print with a magnifing glass.
I can see the government washing their hands of all responsibility of companies going into liquidation and creditors hounding debtors.
When the whole PPI finishes and there is no money to be made by administering an iva wholely on monthly payments,the companies will cut staff or take on people with no idea what they are doing.
This country is run on greed be it government or individuals or credit companies we are heading for an explosion with our debt (individual or government) that cannot be sustained.
I for one are glad I will be finished within a few months but are worried for the future of people with debt

Oh my........what a gloomy prospect for the future, however,
thank you foggy for your input on my problem, and I sincerely hope you have a lovely time on your break.
But please come back at some point because we need you!!!!!!!

lifenoteasy - your input has always been welcome in my opinion due to its honesty and forthright nature.

I sincerely hope you return and in the meantime good luck with whatever it is you are doing for your future. All the best.

Kiera - it is lifenoteasy taking the break, not Foggy.

I am just absent .. as in "the lights are on, but no-one's home"

Best of luck LNE - your input will be missed.