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Posted: Thu Jul 28, 2016 12:06 pm
by footiemad
Today we received our completion certificate, 7 weeks from final payment. Huge thanks to Harrington Brooks for dealing with this so quickly. Our initial proposal was to repay 37p div and our final div was in fact 76p made up with bonuses. No PPI because we never had any! It's been a long and at times tricky 5 years but today we are soooo relieved and happy and can now rebuild our lives financially. We've just had our first holiday abroad since 2009 and it was amazing - just what the doctor ordered.
This forum has been my lifeline throughout and I would like to thank some amazing people for their help and guidance. Firstly Michael People's who has always offered brilliant advice and Kallis, Lesley, LNE and many others who have all offered words of support.
IVA's are not suitable for everyone but with the right knowledge and of course IP they can be a real solution to serious debt problems. We had debts of £126,000 and now we are officially debt free.
Thank you
Posted: Thu Jul 28, 2016 12:13 pm
by Michael Peoples
Great news Footiemad and delighted that I was able to help at all. You have to stay around or even just pop in now and again as experiences like yours are really helpful for the newbies. Sometimes it seems like there is no light at the end of the tunnel but you prove there is.
Glad to see you are enjoying that extra money!
Posted: Thu Jul 28, 2016 12:20 pm
by Lisa Thomas
Brilliant news well done.
To pay so much back of the debt too is amazing. Best of luck for a debt free future.
Posted: Thu Jul 28, 2016 12:43 pm
by footiemad
I forgot to mention someone else who has been a huge help and that is, of course, Foggy. Thanks Foggy x
Posted: Thu Jul 28, 2016 1:58 pm
by SUC
Well done to Harrington Brooks for speed of closure
Posted: Thu Jul 28, 2016 2:19 pm
by kallis3
Great news - really pleased for you.
Posted: Thu Jul 28, 2016 3:44 pm
by MerlinL14
Congrats footiemad.
Posted: Thu Jul 28, 2016 5:14 pm
by MG12
Well done.
Enjoy your debt free future!!!
Posted: Thu Jul 28, 2016 5:26 pm
by Goosed
Well Done footiemad,
Enjoy your debt free future.
Posted: Thu Jul 28, 2016 7:10 pm
by luluj
Great news ..well done
Posted: Thu Jul 28, 2016 7:37 pm
by watzki
Great news footiemad and here's to a debt free future
Posted: Thu Jul 28, 2016 8:33 pm
by recovering
Congratulations on a great achievement!!!
Posted: Thu Jul 28, 2016 8:33 pm
by country girl
Wonderful news footiemad. It is a marvellous feeling like you have come out of the end of a very dark tunnel. For me one year on life is so much better. I also found this forum such a help especially as like many my debts were a big secret that I wanted to keep.It is good to be able to share your problems with people on here.
Good Luck to every one who is still on their IVA journey.
Posted: Thu Jul 28, 2016 8:58 pm
by Shining
So happy for you and what a great turnaround with the completion certificate. Enjoy your debt free future, keep in touch.
So glad the forum helped along the way. It really is a wonderful place.
Posted: Fri Jul 29, 2016 8:41 am
by footiemad
Thanks everyone for your good wishes. I'll be sticking around to offer words of wisdom where I think they can be useful x