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Posted: Sun Jun 05, 2011 5:28 pm
by magpie1
After two years of not getting any were with a debt management company that is now no more, im able to look forward in a iva and know that i will be free off all the call and letters,and pay my debts off.
This is my first post but i have been read others posts for some time, so thankyou to you all for advise you have given to other and in turn to me.I hope i can be of help to others now. [:D]
Posted: Sun Jun 05, 2011 5:32 pm
by kallis3
Hi Tony and welcome to the forum.
I'm so glad we have been able to help you with your decision.
Which company have you chosen? The forum is always here for advice and support.
Posted: Sun Jun 05, 2011 5:35 pm
by nepensioner
Welcome from me too Tony, good luck on the road. It will be good to hear how your journey is progressing, as this will surely help others who are just looking in.
Posted: Sun Jun 05, 2011 5:41 pm
by magpie1
Im with Cleardebt and they have been great.Always very helpful and gave lots of advise.Not like the debt management company (DCM) i was with until they went under.
Posted: Sun Jun 05, 2011 5:48 pm
by kallis3
Cleardebt are well recommended on here and we do have a poster from there - Size5 posts regularly.
Posted: Sun Jun 05, 2011 5:49 pm
by Shining
Cleardebt are a good company and I'm sure you can help others on your IVA journey, keep posting and hope your journey is a very smooth one. x
Posted: Sun Jun 05, 2011 6:40 pm
by casiquebrado
Congratulations Tony , you are on the right journey to being debt free.
The good thing is ,you are NEVER alone.
This site has kept many people , me included , sane when the dark clouds gather.
Good luck
Posted: Sun Jun 05, 2011 7:00 pm
by Struzzo39
Good luck from us too. Heres hoping your road to being debt free is a smooth one. xx
Posted: Tue Dec 27, 2011 7:54 pm
by magpie1
my first Xmas after iva accepted and we are doing OK by managing money in cash means we did manage Xmas boxes with out credit cards and catalogue like we have in the past,i hope that this will give other who may be thinking about doing a iva or just entering to one that there is a life after you enter a iva.good luck to every one in the new year,
Posted: Tue Dec 27, 2011 8:11 pm
by Shining
A great update tonyr, I'm sure it will help others, the feeling of no bills post Christmas is a good one I do agree with that and there is life within an IVA x
Posted: Thu Dec 29, 2011 5:05 pm
by clee123
My first Christmas as well on the IVA, and I did ok, (helped getting paid early! and only dipped in to it by £50) here's 2012 living within my means!! Good luck mate
Posted: Thu Dec 29, 2011 5:50 pm
by Foggy
Glad to hear it's going well, Tonyr. This was my second IVA Christmas and, once again, funded entirely from vouchers (see Kallis's blog for details). All the sweeter knowing I don't have to wait for the January credit card bills to hit the doormat:-)
Posted: Thu Dec 29, 2011 6:38 pm
by footiemad
Absolutely true Foggy - seems funny not spending on credit cards for all the presents and goodies - but long may it continue! Tony - well done and good luck to you x
Posted: Mon Jan 16, 2012 7:57 am
by Rosepetal
brill your IVA was accepted[:)]
our 2nd Christmas in a IVA, we had a lovely time & managed treats. we've cut back on all family gifts.
the feeling of no bills in the new year is bliss.