One year on....

11 posts Page 1 of 1
Post Reply
 
 

jonjo1978

User avatar
Posts: 21
Joined: Tue Aug 14, 2012 8:17 am
Location: United Kingdom
Post by jonjo1978 » Wed Aug 20, 2014 7:54 am
Quote
Well I completed my IVA May 2013 and just over a year later I can tell you life is good! Anyone going down the IVA route should know it is a long slog but worth it in the end! My credit record is now pristine (I got myself a credit card 6 months ago with a VERY low limit that I use for fuel.... and pay off in full every month) and have a mortgage at a very reasonable rate.

All of a sudden life looks good. I have learnt that the only things you really need credit for are big purchases like a house or car - everything else you just save up until you can afford to buy it. The team at Freeman Jones were amazing for me, I had my certificate of completion in around 4 weeks of finishing my IVA and they were always on hand to help.

To all those still battling to be debt free - If I can do it (and emerge a better person where finances are concerned), then you can - trust me it is well worth the effort!
Top
 
 

mole

User avatar
Posts: 1304
Joined: Wed Mar 25, 2009 9:30 am
Location: United Kingdom
Post by mole » Wed Aug 20, 2014 8:46 am
Quote
great to hear you are going well jonjo and real hope for those at various stages of the process.... this will be an end for all of us!
Bring on the day
Top
 
 

Foggy

User avatar
Posts: 33396
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom
Post by Foggy » Wed Aug 20, 2014 8:49 am
Quote
Great post Jonjo -- good to hear everything is going well :-)

Onward and upward :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Top
 
 

welshwiz

User avatar
Posts: 531
Joined: Sat Dec 29, 2012 4:13 pm
Location:
Post by welshwiz » Wed Aug 20, 2014 1:23 pm
Quote
What a great post, inspiration for everybody. Good luck for the future
Top
 
 

luluj

User avatar
Forum Expert
Posts: 11333
Joined: Sun Dec 09, 2007 6:54 am
Location: United Kingdom
Post by luluj » Wed Aug 20, 2014 9:07 pm
Quote
Love it when old forum members make a return and inspire others with their stories ... Well done jonjo !
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"
Top
 
 

Struzzo39

User avatar
Posts: 1820
Joined: Sun Jan 24, 2010 5:56 pm
Location: United Kingdom
Post by Struzzo39 » Wed Aug 20, 2014 9:25 pm
Quote
What a fab post. Well done.
Steven & Debbie
Top
 
 

isseymyake

User avatar
Posts: 177
Joined: Thu Jan 27, 2011 1:18 pm
Location: United Kingdom
Post by isseymyake » Wed Aug 20, 2014 10:20 pm
Quote
Well done you must be feeling great!
Issey
Top
 
 

Imhotep

User avatar
Posts: 382
Joined: Sun Aug 01, 2010 11:36 pm
Location: United Kingdom
Post by Imhotep » Thu Aug 21, 2014 8:21 am
Quote
That light at the end of the tunnel just got a little brighter :)
Top
 
 

kazzafunk

User avatar
Posts: 4749
Joined: Sat Mar 19, 2011 6:47 pm
Location: United Kingdom
Post by kazzafunk » Thu Aug 21, 2014 3:03 pm
Quote
So pleased things are going well for you!

It will give hope to those exploring how to deal with debt problems and those in an IVA struggling!
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
Top
 
 

relieved33

User avatar
Posts: 1166
Joined: Mon May 18, 2009 7:22 pm
Location:
Post by relieved33 » Thu Aug 21, 2014 5:41 pm
Quote
It's great hearing positive stories! We will keep our pay next week and I am really looking forward to that!
Top
 
 

Christabelle_sparkle

User avatar
Posts: 447
Joined: Sat Jun 26, 2010 10:51 pm
Location:
Post by Christabelle_sparkle » Fri Aug 22, 2014 11:15 am
Quote
Fantastic post. I hope we are in your position too in the near future! ;)
An IVA is a long hard road but valuable lessons have been learnt along the way. Now looking forward to enjoying a debt free future!
Top
Post Reply
11 posts Page 1 of 1
Return to “a success story”