Well after 7 long years I had a lovely present this morning. The postman brought me a completion certificate!!!!!

What a weight has been lifted. Thanks to everyone whos helped during that time, and good luck to those still on their journey. It is possible to succeed.

The only awkward one I had in the bad old days was Northern Rock

Just had call with CreditFix who confirmed I have made my final payment and Standing Order can be cancelled!

Can't wait for contact with closures team now!

Yep - I'm a transfer - count me in!!! (although I should only have 1 more payment to make)

I'll let you know Michael. I should only have 2 payments left to make so will see if they try to get me to accept the new t & c's

Got mine as well. But as I should only have 2 payments left to make. It's not being agreed to by me.

Haven't had anything either, although We should be completing in March, so hopefully time is on our side.

I'm getting a bit concerned as well the fact that I'm in month 81 (6 year initial term + 1 for not being able to release equity). Yes it is business, but as all of us were in a state when we entered into our arrangements, probably discounting the bigger firms, it would have been courteous to be warn...

You can always try http://www.schtrade.co.uk/ I've had refurbished laptops from them for work in the past, and they've been extremely good quality.

It may be different for each LEA. I know for my area, the limitation is with Interim Orders and Bankruptcy Restriction Orders only.

I've also been a governor throughout my IVA. I am also the Finance Governor and sign off all budgets and purchases over £5000 as well as pay increases, etc. Being in an IVA does not prevent me from doing this at all.

Thanks Jan.

You're more than welcome Dawn, Most of us have already been through it, so are more than happy to share our experiences so far.

On a side note - It's all exciting - I've just noticed I'm an 'IVA Junior' in my profile now!!! (I know, I'm easily pleased!!!)

You're more than welcome Dawn, Most of us have already been through it, so are more than happy to share our experiences so far.

On a side note - It's all exciting - I've just noticed I'm an 'IVA Junior' in my profile now!!! (I know, I'm easily pleased!!!)

Excellent news dizzy!!