From 1991 when I borrowed £10.000 from a bank, to see my son through university, I was working and could afford the repayments, little did I know that at Christmas the same year, I would be made redundant, I paniked, didn't tell anyone not even the bank, by October 2013, I owed the bank £16,000 I got a phone call from a firm in manchester, told them everything, and was told about an IVA, where I paid an amount each month, I could afford the amount even on a pension, I was contacted by Grant Thornton, who I agreed the amount and the IVA, now I am finishing off my IVA with pasture, and by May 2017, I will have paid off my debt and I am so pleased with how i have paid for five years and now i'm nearly there, take the step, debt is a horrible situation to be in, IVA let's you see the light at the end of the tunnel, thank you pasture I am a 100% grateful for your understanding and to my creditors that let me do this IVA and give me peace of mind