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Indebtagain
- Posts: 54
- Joined: Thu Jan 10, 2008 10:32 pm
- Location:
Hi just wanted to say to those currently on a IVA and thinking its a long road, it does get better and looking back it went really quickly. I completed a year ago now and in a strange way am glad I did an IVA as its taught me how to manage money, the only credit I have (apart from mortgage) is one card which is paid in full each month and I've only got this as I want to get a good credit file but each month when I buy things it's so pleasing to know I have paid for it and I don't have to find the money from somewhere. Things can seems tough through an IVA but when I hear things like I'll use my bonus to pay my card off it makes me smile knowing my bonus will be spend on me/family.
For those struggling please hang in there.
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clairemichelle
- Posts: 290
- Joined: Tue Jun 11, 2013 5:55 pm
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Great post.
Out of interest.
How long did you wait for ur cc and when did u apply for a credit buildinh card?
Thanks
Cm x
Iva payments complete 5sept13. Cc dated 15oct13
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Indebtagain
- Posts: 54
- Joined: Thu Jan 10, 2008 10:32 pm
- Location:
I got my CC around Feb 2013 (completed Oct 2012), got my card in March 2013.
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clairemichelle
- Posts: 290
- Joined: Tue Jun 11, 2013 5:55 pm
- Location:
Thanks.
Looking at rebuilding after this week.
Cm
Iva payments complete 5sept13. Cc dated 15oct13
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Indebtagain
- Posts: 54
- Joined: Thu Jan 10, 2008 10:32 pm
- Location:
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Shining
- Posts: 27019
- Joined: Thu Sep 20, 2007 8:57 am
- Location:
Great post and I agree with it wholeheartedly...I completed in January, completion certificate in early april and got a card same month from Vanquis, used each month for one purchase and paid off in full each month.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
