IVA finalised

[scooby0]

Hi all

I've had the most brilliant news today - my IVA has finished.

All money sent to pay off Joint Mortgage (due to divorce house transferred to me)and cheque on its way to DFD for full and final settlement.

Boy this has been a long and tiring process - but finally made it.

I know there are others that are just starting out, I'd like to wish you all the luck in the world and you will all get there..

Thank you to all who have given me support for the short time I've been on this site, as others say,I wish I'd found it sooner..I will still be reading and offering support to others..

Good luck to all [:D]

[Viki.W]

That's brilliant scooby, congratulations. Did you do a full and final IVA or make contributions too? I only ask because I am hoping to do an F&F and wondered about other people's situations. What a relief it must be for you. I hope you do stay on the forum. Viki X

[Trickles]

We done Scooby, may you know live a happy and debt free life. Good luck for the future.

[facingittogether]

congratulations scooby! may you have a long and happy debt free future!

i do hope you keep posting and offering support!

barb x

[scooby0]

Hello Vicki

I did a full and final - however saying that they did have an extra years payments from me only (it was a joint debt with now ex husband,only his solicitors told him to stop paying as we had already paid for 5 years plus).
It hasn't been an easy ride by a long shot and DFD were dragging their feet today to ring my solicitors confirming the amount verbally, but I guess they are busy!When you're waiting for the phone call though you become selfish and feel that they should only be dealing with your case, but I saw it that it was one quick phone call and they could then get on with other clients who required a lot more of their attention...anyway I'll stop going on and wish you good luck - I am now a single parent and have kept the roof over our heads - my what a feeling [:D]

[Viki.W]

Oh Scooby, that really is a happy ending for you. You should be proud. I hope that you keep posting to help others in your situation. Thanks for the info too. Good luck for your debt free life....you deserve it. Viki X

[scooby0]

Thank you all for your kind words.[:D]

I can now move forward with my life, divorce took long enough whilst all this was going on because of IVA ex was saying, as I thought at time too, that it was a good idea to wait for the IVA 4th year?? I didn't know that we could offer a full and final earlier..if I'd known this I would have cleared this a lot earlier and divorce would have gone through lot earlier too..I only knew this was an option because of this site!!Is that wrong that us that are (or were)in an IVA should know this?..I can't remember if we were told we could offer a settlement early when we took IVA out.

[Viki.W]

I think everyone has learnt a lot from this site, good job you found out about it. viki X

[kallis3]

That's fantastic Scooby, so pleased for you.

[scooby0]

Thank you Kallis - not sure if it's sunk in yet - my poor manager today, when the phone was quiet I kept asking her if it was still working!!??? lol

[ianmillington]

Congratulations!

Ian

[scooby0]

Thank you Ian - you're feeling was right on this one going through [:D]

From a feeling of euphoria I'm now feeling numb!!! Is it finally over!!?? yes it is [:D]

what are these emotions that we go through? lol

women a??? lol

[scooby0]

Well I can't believe how my luck is going!!!

Today I won a Nintendo Wii in a draw of a competition at work - I've checked that I've done for the lottery tomorrow too lol

[:D][:D][:D][:D]

[Viki.W]

That's brilliant. I want a wii, played my nephews the other day and its so much fun. I love the boxing! They are so expensive. Congratulations. X

[scooby0]

thank you Vicki.w - I keep looking to the sky to see if anythings going to happen!!! If you know what I mean lol