END OF MY 5 YEAR JOURNEY TODAY.

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PHOENIX

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Post by PHOENIX » Sat Jul 16, 2011 5:10 pm
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Got home from work today to find a letter behind the door from my IP, opened up could not believe my eyes it was my final report and attached was my certifcate of implementation,its over offical this feeling is better than when i paid my last payment which was less than a month ago,stunned how quick it came some people on the forum have waited months.

I must thank everyone who have posted with questions for the exsperts who give up their own time to help people who are struggling or just need advice ,advice which can mean a good nights sleep.I think Melanie Giles should recieve a M.B.E. for her contribution towards helping debters sleep soundly at night.

To all you newbies it can be done just believe. those of you already on the journey hang on in there the end is neigh.

to you frugal friends would have loved to meet up but had work commitments but if its on next year i will try and make it, have great time.

Paulx
Last edited by PHOENIX on Sat Jul 16, 2011 5:15 pm, edited 1 time in total.
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Shining

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Post by Shining » Sat Jul 16, 2011 5:12 pm
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What a great piece of mail to receive Phoenix and very lucky to have received it so quickly.

Well done, enjoy your debt free future and may it be a very happy and rosy one.

I agree about Melanie too!
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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PHOENIX

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Post by PHOENIX » Sat Jul 16, 2011 5:17 pm
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Thanks Lesley, hope your last 18 months fly by.
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Shining

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Post by Shining » Sat Jul 16, 2011 5:18 pm
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Thanks Phoenix and I hope so too. To be fair it's not been too bad time wise the worst bit was my first year and now *touches wood* it's not too bad. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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PHOENIX

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Post by PHOENIX » Sat Jul 16, 2011 5:29 pm
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I found the first year was the worst not really knowing what its all about, wish i had found this site then.why there is no help advertised for people in a iva i dont know .it can be a very lonely place at times.but you do get through and cope . i think you become a stronger person as well . i bet the frugal friends are having a wail of a time.x
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4kidsnocash

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Post by 4kidsnocash » Sat Jul 16, 2011 5:36 pm
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Congratulations Phoenix, here's to a rosy future
Alas, I am dying beyond my means.
Oscar Wilde
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PHOENIX

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Post by PHOENIX » Sat Jul 16, 2011 5:42 pm
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Thanks 4kidsnocash, i see you are starting your journey, good luck hope it runs smoothly for you. x
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animaleyes76

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Post by animaleyes76 » Sat Jul 16, 2011 5:50 pm
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congrats, it must such a nice feeling and to know all your money is now your own must feel even better!!

Congrats and goodluck!! :)
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plasticdaft

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Post by plasticdaft » Sat Jul 16, 2011 6:12 pm
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What a great bit of port to get!

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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back on track

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Post by back on track » Sat Jul 16, 2011 6:14 pm
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i like port as well[:D]
cc received 6th January 2014 now upwards and onwards
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kat68

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Post by kat68 » Sat Jul 16, 2011 6:16 pm
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congratulations, fantastic news. enjoy your spare cash.
kat

IVA accepted 6th May 2011, Full and Final accepted 17th April 2012.
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KAYKAY

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Post by KAYKAY » Sat Jul 16, 2011 6:21 pm
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Great news... hope my certificate comes through so quickly. Doubt it though. Please continue to post, a completed IVA is a great inspitation to all those who are part way through or just starting on their journey to a debt free life.

Congratulations again and I wish you all the very best.
IVA Completed August 2011
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PHOENIX

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Post by PHOENIX » Sat Jul 16, 2011 6:23 pm
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Thanks Kat68,
hope your time left runs smoothly and quick!
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PHOENIX

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Post by PHOENIX » Sat Jul 16, 2011 6:29 pm
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Thanks KAYKAY,
Your last payment was the day after mine, hope certifcate arrives soon, will continue to post im still learning the ins and outs of an iva so many different situations mind boggling.x
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plasticdaft

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Post by plasticdaft » Sat Jul 16, 2011 6:43 pm
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back on track wrote:

i like port as well[:D]
Damn this phone and its tiny keys. That and my stumpy fat pigs t*** for fingers!


Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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