After 6 long years i have made my final payment to my iva and cancelled my standing order...I am getting rather emontional as i type this.
This forum has been my comfort blanket ever since i stumbled across the site over fours ago and i am in no doubt has been the source of knowledge i now have regarding ivas and debt manangement.
I still remember the dark days of 6 years ago being half an hour away from bailiffs coming in and taking my goods away untill Debt focus stepped in and managed to keep them at bay.
There is no doubt that an IVA was the best solution for me and would like to reassure all those people out there just starting out or in the middle of, the feeling of accomplishment at the end is toxic.