I am very pleased to say that I have now completed my IVA and have received all the necessary paperwork. I can now start afresh and things are now looking a lot brighter and my future is now a lot rosier than it appeared just over 5 years ago. Although it hasn't always been plain sailing DFD have been very good, especially Judith Anderton who got things going along nicely for which I am very grateful. It has already had an immediate effect on my credit rating which is now excellent. I will never every borrow money or have credit cards again, and I certainly would not ever ask the bank to help me out with debt problems as it just made it a whole lot worse which is why I ended up in an IVA in the first place. No more robbing Peter to pay Paul if you know what I mean. For those just starting out with an IVA it is a long process but stick with it. It will all come right in the end.
