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Posted: Sun May 11, 2014 4:13 pm
by craigiewicked1
Hi guys, we made a full and final offer in November last year and by the end of January we free, we were 3years into the iva and all was going well until I lost my job, my dad offered to lend me 4 grand in a full and final offer, for this to be accepted I needed a mortgage statement, a house valuation and a letter from my employer confirming things, the house was shown to be in negative equity and the letter from my boss was no problem, so the creditors were left with little choice but to vote in favour, now look I only ended up paying 5.5p in the pound of the total debt which was £87,500. I can't believe we are free, it's amazing, any way, I now have a new job with more pay and am debt free, we have received the completion cert and really are free, there really is hope it really does end. Good luck to each and every one of you and if any one needs advice please feel free to contact me.
Posted: Sun May 11, 2014 4:26 pm
by Pandy
What a lovely post craigiewicked1 I am so pleased for you and getting another job must have been the icing on the cake. Enjoy your debt free future you deserve it.
Posted: Sun May 11, 2014 4:27 pm
by Foggy
Good post craigiewicked1 ---- great to hear that all is on the up post IVA
Posted: Sun May 11, 2014 4:52 pm
by Shining
A post that will no doubt inspire others thank you for sharing.
I wish you a wonderfully happy and healthy debt free future. x
Posted: Sun May 11, 2014 7:05 pm
by welshwiz
Congrats on being debt free and the new,job
Posted: Sun May 11, 2014 8:18 pm
by baldy
Well done craigiewicked1, the very best of luck to you and your family.
Its always nice reading posts about people finishing and enjoying their new debt free life.
Baldy & Family.
Posted: Sun May 11, 2014 9:48 pm
by Little miss trouble
Nice!!!!!!! Great post!!!! Good luck for yr debt free future x
Posted: Sun May 11, 2014 10:02 pm
by kazzafunk
Well done - enjoy your debt free future
Posted: Thu May 15, 2014 11:30 am
by darth_ivader
Congratulations craigiewicked1,
Isn't it great to know that you are completely debt free, this is something to be truly proud of!
Posted: Thu May 15, 2014 1:11 pm
by Michael Peoples
Congratulations from me too and well done to your IP for finishing the job so well.
Posted: Fri May 16, 2014 6:26 am
by luluj
I can remember that feeling ...well done and enjoy your debt free life.
Posted: Fri May 16, 2014 7:32 pm
by susieq73
Great post and where I will be in 2 years...but even though I am paying the IVA and I know I will always owe the full amount of my debt until the end, I actually consider myself debt free now, In my mind, I am currently living debt free, no credit and managing well...although I am still paying the IVA, it's kind of like paying back a 5 year loan.
Hope that makes sense...and well done to you for finishing and the best of luck for the future!!!
Posted: Fri May 16, 2014 7:53 pm
by Foggy
Know exactly how you feel susie ... I always used to get a kick out of paying for the weekly shop in cash (before I even dared use the debit card). As I have often said on here -- I was better off in the IVA than before it!
Posted: Sat May 17, 2014 12:22 pm
by Christabelle_sparkle
I second that Foggy.
I also know what you mean susie.
Well done craigiewicked1. Enjoy your debt free future.
I have just had a written confirmation through the post that our IVA will finish on time, no equity, no extension.