It is over 2 years since I made my last payment and lots has changed. The IVA was a life saver for me and changed my life. My relationship with money was poor and my financial management skills non existent. The IVA forced me to learn to manage my money carefully and stop spending money on rubbish. ...

Very lucky I did not get a social budget either.

Fingers crossed for you Ta Dah

Agreed contact Michael as this sounds very complex.

Well done!

Sums up my experiences perfectly. A brighter debt free, well managed financial future.

nevillebunny we all have or have had days and weeks and months like this. God knows my 5 years were hard and at times I totally despaired and it was only kind words and advice from people on here that got me through it. As people have said you are 20% done and trust me when the last payment is done ...

I second luluj's view on this.

Hmm not sure on this one myself. One of the experts should be around soon to give you an answer.

Plan to come around more often that is for sure.

Thanks Foggy and Lesley.

My plan is to be on here more offering hopefully some sage advice

Hi All! Long time no see! It has been far too long since I last made an appearance on these forums. My last payment was made 14 months ago and yesterday I finally got through the Completion Certificate after a long delay due to PPI nonsense and a general lack of speed on the part of those handling m...

Welcome back matey!

It all just depends on how many people they have in certain socio-economic groups. I imagine you may be contacted in the future if someone stops doing it.

I imagine as a divorced, male aged 30, living alone not many in my group volunteer.

So glad I did not use these guys!

[:D]