IS THERE LIFE AFTER an IVA? I'LL SOON FIND OUT!!

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GilliB

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Post by GilliB » Wed Mar 13, 2013 5:06 pm
Hi Guys. Just to let my forum family know that I've finally received my Completion Certificate from Payplan!! [:D]

My Case Officer emailed to confirm it last night, and said it would be put in the post today. I held off telling you - as I wanted to see it for myself - to believe it's all finally over!! Anyway, she offered to email it to me, and I've just printed it off!! [:D][:D]

I feel that I can finally exhale after 4 long years...

My IVA journey started in March 2009, at a very difficult and traumatic time for me and my family. In March 2012, I found a new family - this forum. Words cannot really encapsulate how I feel being part of this forum. You have carried me through all the highs and lows during the past 12 months. I've ranted and raved; celebrated; learned and shared knowledge/experience, but most of all, I've always remained 'me' - without any fear of being ignored, dismissed or judged, and for that, I thank you all for your kindness, patience, honesty and openness. This is an amazing forum with amazing people.

I have to 'give props' to Stephanie Hill at Payplan, who has been my most recent CO. As an individual working within a very large organisation, she has put the 'human face'to it. She always listened patiently to me even at times when I was very belligerent through sheer frustration at times, and I know for a fact that she worked her a**e off to get my CC to me as quickly as she able to. Absolute respect to her.[:)]

I sincerely want this post to give others hope that they too will receive their CC's very soon.[:)]
IVA journey started: 30th March 2009. Settled: 17th July 2012. Completion Certificate received: 13th March 2013. Breathe. x
 
 

Foggy

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Post by Foggy » Wed Mar 13, 2013 5:10 pm
Excellent news, GilliB and well done to Stephanie at Payplan. Here's to a new, debt free, life :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

Shining

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Post by Shining » Wed Mar 13, 2013 5:58 pm
Fab news it must be a great feeling to receive that CC. Enjoy your debt free future.

I feel they must be working on mine today as I received an email about something...can't wait!
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

GilliB

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Post by GilliB » Wed Mar 13, 2013 7:02 pm
Thanks both. The best thing so far has been the reaction of my friends and parents - who have supported me every step of the way. To be honest - they're probably glad to hear the last of "How much longer do I have to wait for my ¬$@*"£# completion certificate!!
IVA journey started: 30th March 2009. Settled: 17th July 2012. Completion Certificate received: 13th March 2013. Breathe. x
 
 

Struzzo39

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Post by Struzzo39 » Wed Mar 13, 2013 9:00 pm
Fantastic news. here's to being debt free. Enjoy x
Steven & Debbie
 
 

12 months to go

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Post by 12 months to go » Wed Mar 13, 2013 9:55 pm
great news , great post & what a great day for you

hope all goes well and that you are enjoying the extra cash ( i know i am )

everyone else still early or mid IVA journey, stick with it as eventually you will get to the end, even though if like me there are times when i really didnt think i would make it to the end
Last payment made April 2012
Certificate received 1st Nov 2012
 
 

GilliB

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Post by GilliB » Thu Mar 14, 2013 5:03 am
Thanks Struzzo & 12 months...!! I'm still emailing/texting all my 'supporters' to let them know!! xxx
IVA journey started: 30th March 2009. Settled: 17th July 2012. Completion Certificate received: 13th March 2013. Breathe. x
 
 

mattyboy

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Post by mattyboy » Thu Mar 14, 2013 9:21 am
CONGRATULATIONS!!!

It's a great feeling to be finished, it's amazing how much you learn on the IVA about how to manage money/budget/make do.

It's nice to get some treats back when you have finished, I managed to get a new car and mortgage with the monthly savings
"Just when you think that you can make ends meet, somebody moves the ends."
 
 

GilliB

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Post by GilliB » Thu Mar 14, 2013 4:56 pm
Thanks mattyboy. I wish I could have a treat. My income went from £30k+ to benefits. Redundancy package now run out after a year, and still too ill to work. Next big hurdle = fight to keep my home, but I'll hand the keys back rather than run up mortgage arrears. No point in that, as I would have been better off going bankrupt in the first place!! x
IVA journey started: 30th March 2009. Settled: 17th July 2012. Completion Certificate received: 13th March 2013. Breathe. x
 
 

orchid5

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Post by orchid5 » Thu Mar 14, 2013 5:18 pm
Hi GilliB congratulations, well done for getting to the end of that avenue, hopefully things will improve for you, fingers crossed, but what an achievement and good luck.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.

IVA COMPLETED August 2012, received Completion certificate 18.4.13.
 
 

Shell.76

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Post by Shell.76 » Thu Mar 14, 2013 6:00 pm
congratulations gillB, bet it feels quite surreal!!!! hopefully my certificate won't be too long, but my last payment was only 5 wks ago so could be waiting a while yet!!!! [:)]
 
 

orange

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Post by orange » Thu Mar 14, 2013 6:48 pm
well done on your completion ...good luck with recovery x and hope the future brings good things
completed july 2011
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