5 years ago I was in huge debt which my wife knew very little of.
I spoke to Tina S and Mel G via this site who showed me there was a way to deal with the situation.
I told my wife , who , thankfully stood by despite being truly hurt.
It isn't easy , but you learn a LOT from the experience.
If you're in an IVA , or need advice on debt , there IS a way .
Good luck to you all on your debt free journeys and a big thank you to Mel G and her team and for everyone on the forum who advised and supported me.
All the best
Well said! I just replied to someone going into an IVA and said it was the best thing I ever did, of course it's hard and of course there are lots of repercussions BUT you do learn a lot and I will never be in debt again. It terrifies the life out of me! I've even learnt how to save, something I never did in my life until I was in an IVA!
"It is never too late to be what you might have been"
Fiona
PJG Recovery have a free online advice channel at www.debtadvicetv.com. If you are ready to ask us for specific advice or help, then get in touch at www.pjgrecovery.com/contact-us.asp . I look forward to speaking to you.
Well done Casiquebrabo - nearly there now. It is a long road that we're on but finally there is a light at the end of the tunnel - mine finishes in August after 6 years. Keep going everyone and Casiquebrado enjoy your 1st debt free month
All paid up on 16th July 2013 - now the waiting game ....
My first IVA payment that isn't going to Melanie today, looks very odd sitting there in the bank. I'm not doing anything with it as yet until I get my completion certificate and once I receive that will sort it. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Hi Lesley, that must be really strange still having the payment in your account. I can't imagine how I will b feeling in August when it (hopefully) happens to me. That's a good idea keeping it in there till you get your cc. Let's hope its not too long for you. Hopefully my ppi claims will be sorted by then. It's been over a year already!!!!!!!! Can I just ask you did you have to do an I and E form at the end of your iva?
All paid up on 16th July 2013 - now the waiting game ....
I think I did Joowoo, how bad is that I can't remember anything much and it all being so recent...I had to sign to say no windfalls or similar had been received too. I think I did all this prior to Christmas which is why it seems an age away.
once I receive that certificate I have plans for the money but just think in the meantime I'll leave it there just in case anything is wrong with IVA. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Thank you Lesley , I've done a little overtime recently so I'll keep half aside incase they want it. They will be having at least £5000 extra from me through ppi claims so hopefully it will be a smooth ending but reading posts on here you never know and I'm with DFD so I'm keeping all my fingers and toes crossed.
x
All paid up on 16th July 2013 - now the waiting game ....
Crossed here for you too. Every day I rush home to look at the post but sadly not yet. I realise it's too soon but when it was pre-IVA I used to be anxious about the meeting then for the whole 60 months I never stressed at all knew I had allowances for everything or an IP that was more than contactable and understanding. Now it's over, I'm stressing again over this certificate how bizarre x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
You've had your set amount to pay for so long now and it must be a sureal feeling that that part of your life is over - it will take some adjusting to - I cant imagine how I will be feeling - really glad I found this forum its been a fantastic help reading what you and everyone writes with all the advice etc, I can only say thanks for everything and really hope you get your cc soon xx
All paid up on 16th July 2013 - now the waiting game ....
