AND FINALLY.....

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buddoggy

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Post by buddoggy » Mon Sep 27, 2010 2:45 pm
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Hi Everyone,

I have never posted before now but have lurked very,very often having been in a IVA since Nov 2005.The forum has helped my partner and I very much with information etc,its funny how many people have the same problems and questions too.

I feel that I have had to post something now as we have finally finished our IVA and would like the post to be a little bit of light at the end of a well trodden tunnel for others who are not quite there yet.

Its took a long time and so many thoughts of it will never end ( and many who are done and dusted know that only too well)but we got there in the end.
I would like to say that we made all of the payments required of us but we did`nt, we had to cut it a little short as we were worried that it would fail due to work still being thin on the ground due to the recession(partner is self employed) and do a full and final with help from our parents but at least we did the majority of it and only cut it short by seven months.
We are proud of ourselves after all the mess we were in before the IVA and it has been a Godsend.I will never have another credit card again,I dont even want to have to have finance for anything again,I have got to the point of hating owing for my house but that would prove a little too much to save up for to buy outright![:D]
I love just paying for things now out of my own money and know that it`s not costing any extra because of the interest.It has certainly taught us a lifelong lesson that I want to teach to my kids .....if you want it ...save for it!

I know my credit file is shot to pieces as is my partners ,but know in time it will repair,not that we will need it for anything but after struggling for so long it seems only right to make it look half decent again,so armed with my newly received certificate of completion I shall set about making it look a bit better.

One last thing I checked the IVA register on Sunday and both our names have finally gone!....The icing IS on the cake!

Good luck to all others trudging down the same path you will soon be there.

...And if any one from INVOCAS is reading ...thank you all...our bacon is saved!
x
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kallis3

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Post by kallis3 » Mon Sep 27, 2010 2:52 pm
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Hi and welcome to the forum.

Well done on reaching the end and what an excellent post.

Gives hope to those of us still battling through and also to anyone looking in who is thinking of applying for one.

Good luck in your debt free future.
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
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MelanieGiles

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Post by MelanieGiles » Mon Sep 27, 2010 9:13 pm
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It is great to know that the forum has been your silent friend for so long, and may I send you my very best wishes for the future.

I am not sure how long the forum has been going for now, but it cannot be too far off it's fifth birthday. Admin - How about a celebration for those forum members who have posted right though their 5 year IVAs. We should give them their own special certificate of completion!!
Regards, Melanie Giles, Insolvency Practitioner
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kallis3

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Post by kallis3 » Mon Sep 27, 2010 9:44 pm
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Was it 2006 it started?
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
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Shining

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Post by Shining » Mon Sep 27, 2010 10:31 pm
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In the about us section it does say it was set up by Andy in 2006.


Well done to OP for completing your IVA xx
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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leaKybrain

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Post by leaKybrain » Tue Sep 28, 2010 12:02 am
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thank you for your message of hope. its lovely to read it. We are just starting our journey and hope to be able to teach our daughter the same lessons. I know my parents tried but things change over the years and credit was just there. Having said that, my very first store card was applied for because my mum took me into the store and say 'we're getting you some decent clothes' So I guess she learnt her lesson later on and sticks to the pay as you earn way now LOL
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flow13

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Post by flow13 » Tue Sep 28, 2010 9:23 am
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Congratulations on completing your iva. xx
Its now time to start living and to make some some wonderful memories!
Read my blog at http://flow13.blogs.iva.co.uk/ 'Aiming for the finish line'
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mitchymoo

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Post by mitchymoo » Sat Oct 02, 2010 10:41 pm
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Fab post.....well done!!!
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buddoggy

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Post by buddoggy » Thu Oct 14, 2010 1:22 pm
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Hi All,
Just to say thanks for the kind words.Still find it hard to believe its all over.It will be nice to have extra cash over Christmas this year,I`ve waited ages for that!
Best wishes To all!
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Ianwp

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Post by Ianwp » Thu Oct 14, 2010 1:31 pm
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Congratulations on completing your IVA.

Thanks for a very good post and it echoes my emotions whilst I had my own IVA!I completed my IVA 2 weeks ago and I feel that there is a bright future ahead for me!

Very best wishes to you.

Ian
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buddoggy

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Post by buddoggy » Thu Oct 14, 2010 1:46 pm
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Thanks Ian.

I have just left a message to you on your post.Very well done once again and yes you do have a bright future ahead and you deserve it!
Best wishes to you too.
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