Hopefully that's the end of it and hope you get some sleep tonight. All the best and do keep in touch with the forum if you want. x

Totally agree with what the others are saying and do hope you take the advice of one, two or even three or more others before proceeding. Always best to gain impartial case specific advice.

Have a look around the forum, you'll be able to see who's with who and judge how they feel.

So happy for you and what a great turnaround with the completion certificate. Enjoy your debt free future, keep in touch.

So glad the forum helped along the way. It really is a wonderful place.

Thank you for your kind words, the forum is a great place and so glad you've found it helpful.

I think I would be identifiable, from my name on here and the details in my blog. I also consider a lot of others could be too. We once had a thread running whereby we listed our hobbies and about us a bit of a bio and I recognised my friend! I did tell her and we just laughed.

Hi, Ryan or Shaun may be best placed to answer this and their contact details can be found here: http://www.iva.co.uk/forum/pop_profile.asp?mode=display&id=22837 http://www.iva.co.uk/forum/pop_profile.asp?mode=display&id=18488 Good luck if you do make a F&F offer but do take into account that it can...

Well done, what a lovely feeling enjoy, happy days are certainly close now.

In your shoes I would sign it and get my Completion Certificate. All it means is you're giving them permission I believe to claim on your behalf any PPI despite having closed your IVA down and issued the completion certificate.

Hi there again, take a look in your proposal it may be written in there. What would happen with any bonus received.

Fantastic, enjoy you debt free future.

Hi and welcome to the forum. As others have said, take your name off and remover the money or take your wife's name off the account asap. In regard to choosing and IP advise her to talk to at least 2 or 3 to gain case specific impartial advice. Looking around the forum can also give you an idea of w...

I can't get my head around the 'take a loan', I went in the IVA to end my debt roundabout that I was stuck on, not take a loan at the end!

However, like Foggy says it may add up for some, but look at it from all angles before embarking on the loan.

Oh no poor kitty. Obviously the health of the cat is paramount here and I do hope your IP sees fit to see you taking a break to cover the cost of the vets fees. Where I live there is a vet who will allow big bills to be paid in smaller chunks of payments, is this something you can ring around and as...

Always welcome an expert on the forum. Different points of view and advice, always help the poster.

Hi and welcome. Did the company acting on your behalf to administer the IVA conduct an annual review at all?