I am Debt Free

Get expert opinion. This is the place for new questions to be posted.
10 posts Page 1 of 1
Post Reply
 
 

Cath

User avatar
Posts: 1329
Joined: Mon Aug 24, 2009 2:38 pm
Location: United Kingdom
Post by Cath » Fri Nov 18, 2016 8:31 am
Quote
Oh Happy Day.......opened up my email this morning to the final report from Creditfix. I've had a bit of debate with them this last couple of weeks but now it's all over (I'm sure they can't come back and say it was all a big mistake now!!!)

After 7 years, I am now debt free, I feel as elated as I did on the day my creditors agreed the IVA.

I would like to thank the forum because if I hadn't found it and Melanie Giles, it would probably have been a different outcome. It's been a long 7 years but at least now I can say it was worth!

I've popped in from time to time, usually when I've had some queries/difficulties to get a second opinion on and you guys have always been great, Mel, Kallis, Lesley, Foggy, Michael,Lisa, everyone and does anyone know what happened to Pennyless, we started our journey at the same time, I hope he is free now too!!

Thanks again and a big fat YAYYYYY!!!!!!!!
7 year IVA completed in December 2016 - there is light at the end of that tunnel
Top
 
 

kallis3

User avatar
Forum Expert
Posts: 77167
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom
Post by kallis3 » Fri Nov 18, 2016 8:56 am
Quote
So pleased for you Cath.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
Top
 
 

Foggy

User avatar
Posts: 33396
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom
Post by Foggy » Fri Nov 18, 2016 9:00 am
Quote
Well done Cath ... Onward and Upward, as they say :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Top
 
 

Lisa Thomas

User avatar
Industry Expert
Posts: 7759
Joined: Wed Dec 03, 2014 10:26 am
Post by Lisa Thomas » Fri Nov 18, 2016 1:27 pm
Quote
Great news well done!

You might find this quick video I made about cleaning up your credit record useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM

Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
Top
 
 

Goosed

User avatar
Posts: 953
Joined: Tue Jan 19, 2010 8:40 am
Location:
Post by Goosed » Fri Nov 18, 2016 2:41 pm
Quote
Great news Cath,

Fantastic feeling isn`t it?

Have a bit of a celebration tonight.
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".

Eric Cantona
Top
 
 

MerlinL14

User avatar
Posts: 1626
Joined: Sun Oct 30, 2011 2:44 pm
Location:
Post by MerlinL14 » Fri Nov 18, 2016 7:01 pm
Quote
Great news, congratulation Cath.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
Top
 
 

shazj1007

User avatar
Posts: 99
Joined: Tue Sep 28, 2010 7:30 pm
Location: United Kingdom
Post by shazj1007 » Fri Nov 18, 2016 7:41 pm
Quote
Well done! Enjoy x
IVA STARTED OCT 2010,LAST PAYMENT 18TH NOVEMBER 2016. COMPLETION CERTIFICATE ARRIVED 17TH DECEMBER 2016.
WE ARE DONE :D
Top
 
 

Cath

User avatar
Posts: 1329
Joined: Mon Aug 24, 2009 2:38 pm
Location: United Kingdom
Post by Cath » Fri Nov 18, 2016 10:35 pm
Quote
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Lisa Thomas

Great news well done!

You might find this quick video I made about cleaning up your credit record useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM

Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
Thanks Lisa, I've had a look at all the free credit scores and because my IVA was so long, the only negative thing that is still on there is the IVA itself, which should soon drop off!
7 year IVA completed in December 2016 - there is light at the end of that tunnel
Top
 
 

luluj

User avatar
Forum Expert
Posts: 11333
Joined: Sun Dec 09, 2007 6:54 am
Location: United Kingdom
Post by luluj » Sat Nov 19, 2016 12:11 am
Quote
Brilliant news ..well done. Enjoy your debt free life !
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"
Top
 
 

Lisa Thomas

User avatar
Industry Expert
Posts: 7759
Joined: Wed Dec 03, 2014 10:26 am
Post by Lisa Thomas » Mon Nov 21, 2016 12:57 pm
Quote
Yes within 3 months you can check here:

http://www.insolvencydirect.bis.gov.uk/eiir/
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
Top
Post Reply
10 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”