My IVA is now finished!!

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Ianwp

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Post by Ianwp » Wed Oct 13, 2010 3:57 pm
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I started my IVA in 2004 and basically had to start it all over again a year later as my salary dropped!

Two weeks ago I completed my 5 years (6 years if you include the first year) and I can now say I did it!!

It was hard at times, especially when in that time several of my work colleagues went bankrupt and I thought 'whats the point in carrying this on' as I just saw their debt issues disappear and it seemed an easy escape for them.

I am pleased that I have at least paid my creditors something back and I still have my self respect and also an extra £262 per month!

Best of luck to everyone thinking of taking out an IVA and to those people paying into one!

Keep paying folks and one day like me it will all be over.

Best Wishes
Ian
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kallis3

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Post by kallis3 » Wed Oct 13, 2010 3:59 pm
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Congratulations Ian!

Hope post IVA continues to go smoothly.

Keep posting so we know how things are going.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Ianwp

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Post by Ianwp » Wed Oct 13, 2010 4:16 pm
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Thanks Kallis!

One very important point that I didn't mention was the loved ones that support us to get through our IVA's and that it affects all family members!

My wife has been fantastic support and I would like to say Thank You Ang x

Ian
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kallis3

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Post by kallis3 » Wed Oct 13, 2010 4:19 pm
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That's lovely Ian!

Hubby and I are both in an IVA so support each other, and of course I rely on the forum and I have made such good friends on here who have helped.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Michael Peoples

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Post by Michael Peoples » Wed Oct 13, 2010 4:23 pm
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Well done Ian and an excellent post. It is always good to see there is light at the end of the tunnel.

Maybe the first thing to do with your £262 is treat yourself and Ang to something nice.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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kallis3

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Post by kallis3 » Wed Oct 13, 2010 4:26 pm
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Or save it up for a few months for a nice holiday somewhere hot?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Michael Peoples

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Post by Michael Peoples » Wed Oct 13, 2010 4:32 pm
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I was thinking of a good long drink of something cold....
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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kallis3

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Post by kallis3 » Wed Oct 13, 2010 4:37 pm
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All inclusive holiday and you could have the best of both worlds!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Shining

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Post by Shining » Wed Oct 13, 2010 9:16 pm
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Well done on the completion of your IVA enjoy your debt free future. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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leaKybrain

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Post by leaKybrain » Wed Oct 13, 2010 11:12 pm
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This gives hope to those of us starting out. Well done on completing
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Ianwp

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Post by Ianwp » Thu Oct 14, 2010 1:09 pm
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Thank you very much for the kind words from everyone!

I just wish that I had found this website, when I was feeling a bit negative and needed some motivation,during my IVA, although my wife kept me going!!

Keep up the good work everyone and I will continue to use this site and give encouragement to anyone that needs it!

Once again many thanks to all.

Ian
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buddoggy

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Post by buddoggy » Thu Oct 14, 2010 1:37 pm
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Well done Ian!
I completed not long ago.It`s a fantastic feeling isn`t it?
Well done once again.
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flow13

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Post by flow13 » Mon Oct 18, 2010 1:14 pm
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Congratulations. Can't wait for us to get there now. x
Its now time to start living and to make some some wonderful memories!
Read my blog at http://flow13.blogs.iva.co.uk/ 'Aiming for the finish line'
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millsy22

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Post by millsy22 » Tue Oct 19, 2010 5:18 am
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hi flow not long to go now it will fly by and then good luck for the debt free future
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lexie2005

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Post by lexie2005 » Tue Oct 19, 2010 8:42 am
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How lovely to see, we have 2 years left (inc a year for equity payments) & I too wish I had found this site years ago! It is nice to see someone at the end & I say definitely a treat for you & your wife next month!
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