Following a nightmare of debt, I reached Sanctuary. Professional advice, courtesy, and above all, the chance to talk to someone who clearly understood my predicament. I had struggles managing arrangements with creditors, threatening calls and so on. At last, a company that not only understood my situation, but made no judgement or criticism of my failures. I entered the IVA in 2020, and have now completed with my final payment in June 2025. I am now free of debt, and the relief that this brings is the most amazing feeling of freedom and the establishment of self respect. Throughout, I had support. I had no issues with compliance, the payments were affordable, and I was able to follow all my obligations as required. Today, ( for the first time in 5 years ) I am planning a holiday! The staff that I have dealt with have been extremely supportive. I have experienced none of the negative comments posted by some others. My experience has been positive, and the only point I would make is this. It is a matter of willingness to comply with the rules that makes your pathway straight forward and trouble free. An IVA is not a free ride and requires a comittment to succeed. My thanks to the Team ( all of them )
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