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					Foggy 					
					
															
										
																				 
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					Well .. three months to the day from the issue of my certificate of completion .. I am finally off of the Register. A step nearer normality [:o)]
					
					
															
															My opinions are merely that .. opinions based on experience. Always seek professional advice. 
IVA Completed  23rd July 2013 .... C.C. 10th January 2014
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					MelanieGiles 					
					
															
										
										Industry Expert										 
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					It couldn't have happened to a nicer bloke!  Champers tonight?
					
					
															
															Regards, Melanie Giles, Insolvency Practitioner
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					olydak 					
					
															
										
																				 
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					Pandy 					
					
															
										
																				 
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					At long last, well done Fogster, think you deserve a bit of the falling down water tonight
					
					
															
															If life is what you make it, I must have been in a strange mood when  I made mine
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					Til 					
					
															
										
																				 
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													by 
Til  » Thu Apr 10, 2014 6:02 pm
						
 
						
																							
																		 
					
					
					Huge congrats Foggy 
 can't wait to be able to say the same x
 
					
					
															
															"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr 
 
IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014.  CC received 14 Nov 2014.
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					MerlinL14 					
					
															
										
																				 
				Posts:  1626  				Joined:  Sun Oct 30, 2011 2:44 pm 				
				
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					Congrats Foggy.
					
					
															
															Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					Foggy 					
					
															
										
																				 
				Posts:  33395  				Joined:  Fri Dec 17, 2010 11:14 am 				
				
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					Thanks all. It'll be a while before the CRA files saga begins, but, to be honest, they are of little import in the grand scheme of things as obtaining credit is the last thing in mt "to do" list. 
 
The biggest bugbear of the whole IVA process was being, effectively, on public display due to that darned Register. Fortunately mainly only those "in the know" find it and it's information, but it's always lurking there, in the background !
					
					
															
															My opinions are merely that .. opinions based on experience. Always seek professional advice. 
IVA Completed  23rd July 2013 .... C.C. 10th January 2014
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					welshwiz 					
					
															
										
																				 
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					ivamess 					
					
															
										
																				 
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					Well done Foggy. Total inspiration to those of us who are just starting out!
					
					
															
															
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					luluj 					
					
															
										
										Forum Expert										 
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					Great news foggy .... The credit files will happen !
					
					
															
															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"
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					Christabelle_sparkle 					
					
															
										
																				 
				Posts:  447  				Joined:  Sat Jun 26, 2010 10:51 pm 				
				
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					Congratulations Foggy.
					
					
															
															An IVA is a long hard road but valuable lessons have been learnt along the way. Now looking forward to enjoying a debt free future!
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					Rubyred 					
					
															
										
																				 
				Posts:  50  				Joined:  Sun Oct 20, 2013 9:34 pm 				
				
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					That's awesome news! Well done Foggy:)
					
					
															
															Having dreams doesn't cost a penny and keeps you going 
Iva completed 14 months early!
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					wiggle1 					
					
															
										
																				 
				Posts:  600  				Joined:  Fri Jan 27, 2012 7:09 pm 				
				
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					Congratulations Foggy.
					
					
															
															Life after IVA is wonderful.
										 
				 
			 
		 
				
			 
				
	
				
	
		
		
			
				
					
										
					Goosed 					
					
															
										
																				 
				Posts:  953  				Joined:  Tue Jan 19, 2010 8:40 am 				
				
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					Congratulations Foggy. 
 
It may have been a long road, but it`s all been worth it eh?
					
					
															
															"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea". 
 
Eric Cantona