phew

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nearly done

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Post by nearly done » Thu Feb 05, 2015 9:54 pm
Not posted before but have appreciated All the regular posters replies to others, thank you so much. 3 more payments and all over. Started in may 2010 signed up for iva thinking was going to lose my house. Has been all ok since, a few hard months here and there with surprise bills and repairs to home car, could of asked for breaks etc but new better to struggle now and then and finish on time. Didn't fully understand the equity release but fortunately none, bit was very very borderline but had confirmation in writing last payment April. Can't wait to move on. Apart from the additional 12 months my credit file will take to catch up lol. All done the iva worked for me. Thanks again to All that take the time to repeatedly respond to posters.
 
 

Shining

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Post by Shining » Thu Feb 05, 2015 10:57 pm
Warm welcome to the forum and lovely to read that you've been viewing the forum nonetheless.

Well done on almost completing and so glad you have a positive view of the IVA. Hoping you have a wonderful ebt free future and thank you for posting as it does help others looking in.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Michael Peoples

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Post by Michael Peoples » Thu Feb 05, 2015 11:57 pm
Greta post and nice to see a bit of good PR about IVAs.
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
 
 

Struzzo39

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Post by Struzzo39 » Fri Feb 06, 2015 7:44 am
Fantastic . Not long to go till that debt free future
Steven & Debbie
 
 

nearly done

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Post by nearly done » Fri Feb 06, 2015 5:55 pm
Thanks, counting the days. Had I carried on pre Iva I would of just about paid my 10,000 loan back had would of had to make minimum payments on 3 credit cards, so would of been left still after 5 years with about 7,000 worth of cc card debt which probably would of taken 5-6 years to pay with the interest that gets added. In all probably being to make 400 pounds worth of payment a month. Iva allowed £165, giving me much needed breathing space. Now, after nearly the five years will be debt free and 19 years left on mortgage. Lessons learned, budget properly for utility bills, and save for things, alot cheaper and less stressful in the long run.
 
 

lukeofyorkshire

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Post by lukeofyorkshire » Sat Mar 14, 2015 4:56 pm
Well done!

Sums up my experiences perfectly. A brighter debt free, well managed financial future.
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
 
 

nearly done

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Post by nearly done » Sat Oct 10, 2015 4:42 pm
Now done!!!!!!
Received completion certificate in post this morning after making last payment in May. Long wait, but so relieved I made it. Been out, bought some beer for the rugby (c Mon Wales).
So happy. Thanks again everyone as I have invaluable advice through just reading everyone posts. Best one was when sending in valuation I worked out the 85% value of property and showed ALL sums and figures when I sent it in. So happy #128522;
 
 

recovering

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Post by recovering » Sat Oct 10, 2015 4:51 pm
Massive congratulations!
 
 

kallis3

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Post by kallis3 » Sat Oct 10, 2015 5:09 pm
That is brilliant news! Well done!
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
 
 

nearly done

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Post by nearly done » Sat Oct 10, 2015 6:50 pm
Thank you
 
 

footiemad

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Post by footiemad » Sat Oct 10, 2015 9:47 pm
Happy for you, well done!
 
 

Shining

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Post by Shining » Sun Oct 11, 2015 12:44 am
Brilliant, a good feeling I agree.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

KAYKAY

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Post by KAYKAY » Sun Oct 11, 2015 8:58 pm
Congratulations... well done and enjoy your new found debt freedom.
IVA Completed August 2011
 
 

luluj

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Post by luluj » Tue Oct 13, 2015 4:32 am
The end .... great news .. no looking back now ..just forward into a debt free life
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"
 
 

welshwiz

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Post by welshwiz » Tue Oct 13, 2015 9:04 am
Well done, enjoy your debt free future
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