Smiling - sorry to rub it in !!

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luluj

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Post by luluj » Thu Mar 17, 2011 6:37 pm
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Apologies if I upset anyone with my happiness !

We have finally received our certificate of completion and final report to creditors following the F&F in November 2010 - we paid 97.99p in the £ back - I have a smile from ear to ear !

The second news of the day is that a mortgage broker is 90% sure he will secure us a mortgage offer tomorrow - which means we will be starting to house hunt again very soon ! It has been along time coming and I can't wait to tell our letting agent !! Let's hope the broker comes up trumps !

For those just starting out - life does get better, however I really value our time in our IVA as it taught us so much - and I will always share my experiences with you all who are on their own debt free journey !
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"
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Shining

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Post by Shining » Thu Mar 17, 2011 6:39 pm
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I'd have a smile from ear to ear too Lulu so don't be sorry for your happiness we share in it with you.

Well done a good return to your creditors and fingers crossed for tomorrow for you. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Paula.bg

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Post by Paula.bg » Thu Mar 17, 2011 6:44 pm
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Keep smiling:)
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ginger3232

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Post by ginger3232 » Thu Mar 17, 2011 6:50 pm
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Well done - will keep everything crossed for you over the next couple of months
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andrea1968

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Post by andrea1968 » Thu Mar 17, 2011 7:05 pm
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well done lulu-keep smiling-good luck with the house-hunting
full and final accepted January 2015

iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM
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TheMatrix

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Post by TheMatrix » Thu Mar 17, 2011 7:12 pm
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That's brilliant news, well done
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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clareyfarey

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Post by clareyfarey » Thu Mar 17, 2011 7:37 pm
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Great post Luluj! Love to see success stories on here, I'm sure it helps people out, no matter where they are in their IVA's.

It just proves that there is life after debt, and I wish you all the best with yours

xx
60 Payments Made!! IVA completed Oct 2010

read my story
http://clareyfarey.blogs.iva.co.uk
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janjan

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Post by janjan » Thu Mar 17, 2011 7:48 pm
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That's brilliant news - no need to apologise - it makes a change to hear good news at the moment.

Gives us all hope that things can (and do) get better.

Enjoy your debt free future and good luck with the househunting.

janjan x
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kaza

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Post by kaza » Thu Mar 17, 2011 7:48 pm
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Thats fantastic news[:D][:D]

I'm really pleased for you, good luck with the new house and heres to a debit free life[:)]

Roll on 2014 the my life can start again[:)]
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Lisa2009

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Post by Lisa2009 » Thu Mar 17, 2011 7:51 pm
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A very well deserved smile!

Congrats and well done xx
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


Nil carborundum illegitimi
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MRBLUESKY

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Post by MRBLUESKY » Thu Mar 17, 2011 7:54 pm
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Great news luluj keep smiling[:)][:)]
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nepensioner

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Post by nepensioner » Thu Mar 17, 2011 8:00 pm
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I so hope it comes good for you tomorrow[:)]
F & F Accepted 19th Oct 2010
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Julie.je

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Post by Julie.je » Thu Mar 17, 2011 8:33 pm
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Great to hear your news luluj - happy house hunting x
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herbekj

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Post by herbekj » Thu Mar 17, 2011 8:51 pm
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Great positive post.

I'll be hunting you down to find the name of that mortgage broker when everything drops off my credit reports in around 18 months :-)
Last Payment - November 2011 - Completion Certificate received 2 weeks after last payment, Removed from Insolvency Register within 4 weeks after last payment.
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Rosepetal

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Post by Rosepetal » Thu Mar 17, 2011 9:20 pm
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That's fantastic new's! i think 4 months is quite good from what i've read.

our F&F was only a few weeks ago so expect it'll be a bit longer yet.

enjoy the smiling!
Nothing stays the same...everything changes..hang on in there!
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