Well, as many know, my IVA was concluded with a F&F in July last year and I was given the usual 6 month timescale for the CC to be issued and was expecting it later this month, maybe February (which year ! [:D] ).
Yesterday I emailed the closures team at GT asking how things are going ... today (yes, within 24 hours) I had a reply, along with the pdf copies of my CC and Final Report, dated 10th January. Hard copies to follow.
I have to say that my IVA experience with GT has been all good (even closures). Due to personal circumstances the journey was neither smooth nor easy, but GT have been more than helpful and supportive thoughout, and Karol has been an absolute Angel.
I am still on the IR, but have used the feedback box to inform them of the CC being issued and will watch that space [:)]
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Fabulous news Foggy. Thank you for the all the very helpful and informative posts that you have made - they will have been a great help to many on this forum - not least myself. Very best wishes to you for the future!
Last monthly payment made 3 June 2013 after 6 long years. CC issued 21 August 2013, but, er, lost in the post. Finally got it 17 September.
another one bites the dust....
well done foggy for getting through to the bitter end.
now get yourself off that register and its put to bed once and for all.[:D]
cc received 6th January 2014 now upwards and onwards
Congratulations Foggy on getting the CC and wishing you all the best for the future. You always post helpful and balanced views so it is great to hear your experiences and how it is now finally over for you.
Wisdom comes from experience. Experience is often a result of lack of wisdom.
Thanks everybody ---- I am still hoping the hard copy CC will be delivered by a Girl's Marching Band or, maybe, Sandra Bullock, but I won't hold my breath
At least I now, officially, owe nobody a penny (and long may it stay that way). And Little Foggy (Foglet?) and I can get on with re-building our lives together with that in mind.
I doubt there are that many single dads around who are totally debt free as well as able to run comfortably on a tight budget. Thanks to the "training" during the IVA, we now live within our means and, to all intents and purposes, comfortably (aided by the new mindset of recognising what we "need" over what we "want").
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I'm sure it will be delivered Foggy but feel you'll be a bit deflated when I tell you it'll be a post person, male maybe female, however if I'm wrong do let me know and I'll ask Melanie why mine wasn't delivered by Mr Williams himself.
You're officially debt free you've come a long way and your life has changed dramatically but you and little Foggy have the future to look forward to with no money worries. congratulations and I'm very pleased to read that you have a positive experience with GT as I'm sure that will give others confidence in using them.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
