Hooray its over :)

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stepbystep

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Post by stepbystep » Fri Apr 29, 2016 2:45 pm
Sooooo i made my last payment 31st of march and the certificate and final report arrived today. Creditfix have got the closure process bang on.i was tranferred from MG and was not happy at all but its all over now and we are chuffed to bits. Its a nice feeling to have paid what you can to your creditors and learnt how to manage your finances again along the way. Thanks everyone for support during last 5 years especially foggy always there with an answer. Now then what shall i do with 460.00 extra a month.... yipeeeee#128522;
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kallis3

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Post by kallis3 » Fri Apr 29, 2016 2:49 pm
Hi,

Congratulations!!!
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
 
 

Foggy

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Post by Foggy » Fri Apr 29, 2016 2:54 pm
Hi and thanks for the kind words. Congratulations on getting to the end. It is a tough lesson, but one well learned :-)

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
 
 

stepbystep

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Post by stepbystep » Fri Apr 29, 2016 3:26 pm
Thanks kallis and saving for a holiday now.
If anyone has any questions about the closure process im happy to tell youhow ours went...we worried for nothing it was simple.
:)
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kallis3

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Post by kallis3 » Fri Apr 29, 2016 3:37 pm
Anywhere nice for the holiday?
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
 
 

Lisa Thomas

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Post by Lisa Thomas » Fri Apr 29, 2016 3:59 pm
Massive congratulations to you.

You could save your money and have £5k within a year...!!

Best of luck for the future.
Last edited by Lisa Thomas on Tue May 10, 2016 12:25 pm, edited 1 time in total.
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
 
 

stepbystep

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Post by stepbystep » Fri Apr 29, 2016 4:03 pm
Thanks lisa in saving 2/3 and a third back in the budget.
Going to spain in august cant wait kallis.... oh and a meal tonight no expense spared. I might even choose a bottle of wine instead of a glass of house haha.
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kallis3

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Post by kallis3 » Fri Apr 29, 2016 4:04 pm
Enjoy Spain - it will be such a good holiday!!
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
 
 

stepbystep

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Post by stepbystep » Fri Apr 29, 2016 4:10 pm
It certainly will....im happy as a pig in muck as they say in yorkshire :)
Stepbystep
 
 

MerlinL14

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Post by MerlinL14 » Sun May 01, 2016 10:14 am
Congratulations.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
 
 

Foggy

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Post by Foggy » Sun May 01, 2016 10:43 am
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by stepbystep

It certainly will....im happy as a pig in muck as they say in yorkshire :)

Bet they don't say "muck" !! [:D][:D]
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

susieq73

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Post by susieq73 » Sun May 01, 2016 2:17 pm
Congratulations on finishing, and save well for that holiday - you will have a great time and enjoy it!

I am same as u, just waiting on the final part - i've made my last payment and its weird this month having £400 spare! but it's going to my savings account every month. I've never had savings in my life..
Susie
x

IVA Accepted 31st March 2011.
IVA Ends 31st March 2016.
 
 

Shining

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Post by Shining » Sun May 01, 2016 5:28 pm
Fab news that you're officially debt free. Enjoy that holiday and I sincerely hope you have a fabulous time as you've definitely earned it and deserve it.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

stringyAcid

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Post by stringyAcid » Sun May 01, 2016 7:15 pm
Well done. It's a great feeling.#128512;
 
 

Mont

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Post by Mont » Thu Jun 09, 2016 11:02 pm
Ditto! Last payment was March and have just received my certificate of completion. I shall have a glass of bubbly for you and me! Congratulations I feel your joy!!!!
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