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hubert

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Post by hubert » Sun Feb 07, 2016 9:32 am
Just a quick note to say this month I've reached the half-way point in my IVA!

Anyone just starting, trust me the time flies. I cannot believe how quickly it's going.

At the start, 5 years just seems like a life-sentence. But once you get in the swing of it, time flies!

And I wanted to say a huge thanks to everyone on here for the help and advice along the way [:D]
Last edited by hubert on Sun Feb 07, 2016 9:33 am, edited 1 time in total.
One pay-cheque away from oblivion!
 
 

kallis3

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Post by kallis3 » Sun Feb 07, 2016 9:37 am
Great news - you're on the downhill stretch now!!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

relieved33

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Post by relieved33 » Sun Feb 07, 2016 9:43 am
The time flies faster towards the end too! Unfortunately in our case though it was also the time things started needing replacing!!
 
 

lifenoteasy

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Post by lifenoteasy » Sun Feb 07, 2016 10:06 am
Know that feeling - especially when you know the replacement is a fudge based on minimum possible rather than what will last longer and give better value for money.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
 
 

watzki

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Post by watzki » Sun Feb 07, 2016 10:57 am
Yes time does fly.we finish this year thinking back to 2010 and starting on the road of a six year iva (because of northern rock) we thought we would never make it.But now we are sailing on a full tail wind.Soon no debts and a life without credit cards is going to be a blessing,no dreaded statements every month,no loan repayments to meet only the mortgage.I honestly can't wait,and all that lovely money I pay each month will be ours
Today 1st of December 2016 the vultures finally flew away
 
 

shazj1007

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Post by shazj1007 » Sun Feb 07, 2016 1:15 pm
10 more payments for us,I can not wait! It's been a tight almost 6 years,all our own fault though and it feels great to be getting back on top of things. Can't wait to treat the children this Christmas as it's been hard telling no you can't have it because I've got no money! Good luck everyone,just keep plodding on a bit longer:-)
IVA STARTED OCT 2010,LAST PAYMENT 18TH NOVEMBER 2016. COMPLETION CERTIFICATE ARRIVED 17TH DECEMBER 2016.
WE ARE DONE :D
 
 

Shining

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Post by Shining » Sun Feb 07, 2016 4:12 pm
For all those in an IVA no matter where, remember it will end and each payment is a month closer.

Sometimes the journey can seem long and arduous but in the end you will be debt free, keep going.

Hoping the forum helps you along the way.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

luluj

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Post by luluj » Sun Feb 07, 2016 6:57 pm
Well said Lesley ... all of you need to be very proud of your achievements. At the time that last payment leaves your account you will be debt free ... you have achieved something that many people are too scared to even contemplate .. well done x
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"
 
 

Lisa Thomas

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Post by Lisa Thomas » Mon Feb 08, 2016 10:39 am
Hi Hubert - the finish line is now closer than the starting line! Well done.
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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