Last annual review!

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MerlinL14

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Post by MerlinL14 » Fri Oct 17, 2014 7:50 pm
Paperwork for my year 5 review turned up in the post this morning [:)].
Two more payments [:D].
?? months to wait for Completion Certificate [xx(].
2015 and onwards debt free.
The last 5 years have been a complete wake up call and the best financial lesson in my life.
Was an IVA worth it? I have to say a resounding YES. BR would have been the easy way out and probs nowhere near as rewarding as being broke for 5 years with the prospect of paying back as much as possible, to those dumb enough to keep giving me credit without them or I realising they were the one's getting me deeper and deeper into the debt mire.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
 
 

relieved33

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Post by relieved33 » Fri Oct 17, 2014 8:29 pm
It is a great feeling when the final payment leaves the bank. It is a real sense of achievement. The wait for a completion certificate is not so great! I feel in a bit of a state of limbo at the moment. Great feeling to get car sorted and serviced this month though. Enjoy your debt free Christmas!
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