Pleased to be able to help. A lot can happen in 6 months so stay positive and if you have any queries just get back posting on here. I'll keep my fingers crossed that something decent turns up for you and your partner. As Kallis said, you now have some breathing space x

I'm not 100% certain that this is what will have happened in your situation because I was transferred to HB in APril this year. It's worth a try though. Good luck x

The iP's are Guy Withey and Michael Bellingham. My understanding is that they took over from David a Rankin. Certainly when I checked the insolvency register! Guy Withey was listed as my IP at Harrington Brooks. Hope this helps.

Congratulations and good luck for your debt free future x

Completely agree with size5 on this. If we could not live frugally in order to save for our children's birthday and Christmas presents, school trips etc the IVA route would be a no go for the majority. I've been lucky with large uplift payments but this has paid for major purchases ie new boiler etc...

Congratulations Peter. Didn't take too long after all!! Pleased for you and hoping that my cc will be just as quick.

That's great news Mont. I wish you well for your debt free future.

Thanks Country Girl!! I can't wait for the holiday. How about a drink in the City when I get the CC maybe down riverside, would be lovely to finally meet you?

I had a 2 month break to buy a car without any problems.

So pleased for you. Well done for your perseverance!

Thank you all for your good wishes. i cancelled my DD and must admit it made me feel really good. Amazed at how fast the last 5 years have been - it'll be strange not having to send the payslip for someone to scrutinise. Can't imagine ever being in debt again though, this has taught me such a good l...

Well done on getting to the finishing line!! I also made my final payment yesterday. Hopefully we won't have to wait too long for that all important piece of paper. Good luck to you going forward - enjoy!!!!!

Tomorrow I will make my last payment and I've calculated that we've paid back over £110,000. This includes £30k in uplift payments and £10k shares. We had no PPI to reclaim!! Our initial debt was £126,000 although reduced to £115,000 because of a claim which was rejected for some reason. I expected ...

That's such lovely news Libby. Good luck in your new home and well done Equity Finance!!