I,m posting this info to help re-assure people in or thinking of a IVA,i completed mine early with a F&F offer aprox 3 1/2 years in.the six years from the start is now over,my IVA was a success for me and helped me become debt free,to be frank my debts were massive which caused a lot of distress,ive been debt free for a few years,but have had sum nasty reminders like outstanding balance statements from a few creditors,[for info only not demands],Anyway ive just updated my credit file today and all of my ex creditors have gone for good.My report is as clean as a whistle probably for the first time in over 10 to 15 years.I now feel i can call closure to this dreadfull episode of my life,and am really chuffed today.for everyone in or thinking off a IVA it is worth it in the long run.[:)]
