www.iva.co.uk

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.

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

I got my CC around Feb 2013 (completed Oct 2012), got my card in March 2013.

Thanks.
Looking at rebuilding after this week.
Cm

Good luck

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.