Completion certificate!

Get expert opinion. This is the place for new questions to be posted.
23 posts Page 1 of 2
Post Reply
 
 

briggadeen

User avatar
Posts: 333
Joined: Thu Dec 10, 2009 9:24 pm
Location: United Kingdom
Post by briggadeen » Fri Aug 14, 2015 4:05 pm
Quote
Last payment was 3 February and today I arrived home to find my completion certificate dated 4th August!! I'm absolutely thrilled it's all over!
Top
 
 

Spencer.Last

User avatar
Posts: 32
Joined: Wed Apr 15, 2015 10:28 am
Location: United Kingdom
Post by Spencer.Last » Fri Aug 14, 2015 4:18 pm
Quote
That's great news briggadeen! Congratulations and all the best for a debt free future.
Spencer Last
Freeman Jones
Top
 
 

Kevwillo

User avatar
Posts: 58
Joined: Thu Aug 13, 2015 3:08 pm
Location:
Post by Kevwillo » Fri Aug 14, 2015 4:18 pm
Quote
Well done and congratulations!! Can I ask why it has taken 6 months??
Top
 
 

kallis3

User avatar
Forum Expert
Posts: 77175
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom
Post by kallis3 » Fri Aug 14, 2015 4:51 pm
Quote
Congratulations briggadeen - well done for reaching the end!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
Top
 
 

briggadeen

User avatar
Posts: 333
Joined: Thu Dec 10, 2009 9:24 pm
Location: United Kingdom
Post by briggadeen » Fri Aug 14, 2015 4:58 pm
Quote
We were with grant Thornton so I wasn't expecting it this soon. I actually called to check it was right, only a paragraph long!!
Thanks everyone I can say it was an up and down 5 years but we lived still. We managed to go to Disneyland albeit our only holiday during the iva but I saved every penny for 18 months. I only ever looked on our iva as a 60 month loan and I guess that's how we got through it.
Top
 
 

Foggy

User avatar
Posts: 33396
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom
Post by Foggy » Fri Aug 14, 2015 5:50 pm
Quote
Congratulations :-)

Kevwillo -- GT routinely regard a 6 month wait as the starting point, rather than the back stop. They pretty much regard 6 months as fast !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Top
 
 

MerlinL14

User avatar
Posts: 1626
Joined: Sun Oct 30, 2011 2:44 pm
Location:
Post by MerlinL14 » Fri Aug 14, 2015 7:11 pm
Quote
Congrats briggadeen. It really is a good feeling finally getting that CC isn't it.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
Top
 
 

footiemad

User avatar
Posts: 1889
Joined: Mon Jun 13, 2011 9:33 am
Location:
Post by footiemad » Fri Aug 14, 2015 7:31 pm
Quote
Congratulations and good luck for the future x
Top
 
 

hwima

User avatar
Posts: 34
Joined: Tue Jun 18, 2013 12:08 am
Location: United Kingdom
Post by hwima » Fri Aug 14, 2015 7:49 pm
Quote
Congrats. I have just submitted my I&E for a final review with GT. Hope the process will be completed within 6 months
*IVA started Sept 2010
*Last Payment Taken August 2015
*Completion Certificate Issued November 2015
Top
 
 

relieved33

User avatar
Posts: 1166
Joined: Mon May 18, 2009 7:22 pm
Location:
Post by relieved33 » Fri Aug 14, 2015 10:20 pm
Quote
Congrats! Enjoy your debt free future!
Top
 
 

longslog101

User avatar
Posts: 526
Joined: Thu Feb 05, 2015 9:19 am
Location:
Post by longslog101 » Sat Aug 15, 2015 1:44 am
Quote
Well done.... Happy days :)
My Blog details, the route I took before IVA, how I choose my firm, equity release advice (year 4-5), challenging the CRA's keeping IVA on credit file once gone from insolvency register

IVA ended August 2015. Would recommend McCambridge Duffy
Top
 
 

luluj

User avatar
Forum Expert
Posts: 11333
Joined: Sun Dec 09, 2007 6:54 am
Location: United Kingdom
Post by luluj » Sat Aug 15, 2015 6:32 am
Quote
Fantastic news and great to hear about GTs 'speed' ... looking at your iva as a loan is a great way to aporoach it.
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
Top
 
 

country girl

User avatar
Posts: 868
Joined: Fri Jul 10, 2009 8:49 am
Location: United Kingdom
Post by country girl » Sat Aug 15, 2015 8:07 am
Quote
Congratulations and best wishes for the future.
Top
 
 

Ike

User avatar
Posts: 27
Joined: Tue Jan 20, 2015 11:27 am
Location: United Kingdom
Post by Ike » Sat Aug 15, 2015 10:17 am
Quote
Great news, well done. I like to look at it as a loan too, counting down until last payment here. just 4 more to go!
Top
 
 

Foggy

User avatar
Posts: 33396
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom
Post by Foggy » Sat Aug 15, 2015 11:40 am
Quote
"One Loan to end them all" ... no idea what that is in Elvish :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Top
Post Reply
23 posts Page 1 of 2
Return to “Ask IVA Forum and Industry experts”