Seeing light at the end of the tunnel

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bombshell

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Post by bombshell » Tue May 19, 2015 9:31 pm
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38 days to go for my last payment to leave my account....

6 years feels like a Jail sentience but I'll have to wait another 6 months before I even get the completion cert.... That's if nothing holds that up.

6 years has taught me how to cope without credit cards and loans and to stick to a budget but I'm soo looking forward to a stress free future when that last payment leaves but also when I get my cc.

For everyone that has just started their journey on an IVA then hang on in there. I never thought I'd see this point in my IVA journey but I did through every emotion you can think off...

This forum has been excellent for guidance and I would recommend to everyone who is looking for advice and even though I'm not yet finished my IVA I will probably be back for some pointers.

[:)]
IVA commenced April 2009 and completion certificate issued on the 25th August 2015..

PPI still on-going

I'm there....
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Foggy

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Post by Foggy » Tue May 19, 2015 9:36 pm
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You can also help others with your experience of living an IVA, Bombshell.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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bombshell

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Post by bombshell » Tue May 19, 2015 9:43 pm
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I certainly will foggy.

You've helped me with advice recently [:)]

Thank you
IVA commenced April 2009 and completion certificate issued on the 25th August 2015..

PPI still on-going

I'm there....
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Shining

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Post by Shining » Tue May 19, 2015 10:09 pm
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Almost there and like you say lots of emotions experienced but you do get there in the end.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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bombshell

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Post by bombshell » Tue May 19, 2015 10:14 pm
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Yea thank you Lesley. I hope GT will close everything off by Christmas [:I]
IVA commenced April 2009 and completion certificate issued on the 25th August 2015..

PPI still on-going

I'm there....
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luluj

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Post by luluj » Wed May 20, 2015 3:26 am
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Great to hear of your progress and the end being in sight ...wouldn't it be a great Christmas present!!
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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bombshell

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Post by bombshell » Wed May 20, 2015 8:52 am
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It would be the best Christmas present ever luluj.....
IVA commenced April 2009 and completion certificate issued on the 25th August 2015..

PPI still on-going

I'm there....
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Lisa Thomas

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Post by Lisa Thomas » Wed May 20, 2015 10:33 am
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Thanks for posting your experience encouraging others on here. Happy to hear you are almost there with it.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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bombshell

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Post by bombshell » Wed May 20, 2015 11:49 am
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no problem Lisa, its a daunting journey at the beginning but determination has helped me through these 6 years.

The end is in sight [:)]
IVA commenced April 2009 and completion certificate issued on the 25th August 2015..

PPI still on-going

I'm there....
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Ike

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Post by Ike » Wed May 20, 2015 12:30 pm
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Well done bombshell!
We have 6 more payments, and hopefully will have paid arrears from a maternity break by then too so could be done by christmas.
Light at the end of the tunnel indeed!
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bombshell

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Post by bombshell » Wed May 20, 2015 12:42 pm
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Thank you Ike and well done on your progress.

6 months will hopefully fly in for both of us.....
IVA commenced April 2009 and completion certificate issued on the 25th August 2015..

PPI still on-going

I'm there....
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mole

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Post by mole » Wed May 20, 2015 12:44 pm
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Great to hear you are so close bombshell. My journey echoes yours. My IVA has been going over 6 years now (due to arrears). I make my final payment in 2 days time then it is all over. Like you just wish for a speedy completion certificate.
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bombshell

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Post by bombshell » Wed May 20, 2015 12:53 pm
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How exciting for you that in 2 days you would have finished your payments... Congratulations.

I'm counting down every day until my last payment.

I am bot expecting a quick cc to arrive because of how GT work. However, you just never know what may surprise us folk..
IVA commenced April 2009 and completion certificate issued on the 25th August 2015..

PPI still on-going

I'm there....
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