www.iva.co.uk

Posted: **Thu Nov 12, 2009 9:17 pm**

.....it is now!!

5 years and 60 payments later, about £60K paid back on an original debt of £115K, and I am debt free at last!! And what an incredible feeling it is. 5 years ago I was in the depth's of absolute despair, couldn't see a away out of the position I had got myself into, was vey depressed and my whole waking hours were spent thinking about that huge debt monkey on my back! Today I am free, and my life is just a million times better in so many ways. I would like to thank the many people on this website and on this forum for the sound advice and support that I have been given along the way. And I will stick around to lend my support to those on the IVA path, or those thinking about getting on it. If you are where I was 5 years ago, I hope this inspires you that it can be done - If I can do it, so can you. Joe.

Posted: **Thu Nov 12, 2009 9:18 pm**

Great story and well done to you and all of the people who have helped you on your way.

Good luck for a debt free future!

Posted: **Thu Nov 12, 2009 9:19 pm**

Joe what a fabulour post and what a wonderful feeling you must be experiencing. Well done you for getting to the end. Enjoy the feeling and good luck for your debt free future. x

Posted: **Thu Nov 12, 2009 9:30 pm**

Well done Joe!!

I hopeyou do stick around because your own experiences will be a huge help to people just starting out.

Posted: **Thu Nov 12, 2009 9:32 pm**

Fab news Joe.

Well done on finishing!

Posted: **Thu Nov 12, 2009 9:46 pm**

Thanks to all of you for you replies and your good wishes. Joe.

Posted: **Fri Nov 13, 2009 10:05 am**

Congratulations !!

Posted: **Fri Nov 13, 2009 1:10 pm**

Congratulations from me aswell

Posted: **Fri Nov 13, 2009 6:13 pm**

Brill, well done and good luck

Posted: **Fri Nov 20, 2009 2:30 pm**

Congratulations! It's great to read posts like this. I've got two payments left to make into my IVA and am now counting the days rather than the months. Posts like this make me feel loads better knowing that although the days seem to be dragging, there is an end.

Enjoy your debt-free life!

Julie [:)]

Posted: **Fri Nov 20, 2009 2:48 pm**

Will be a great new year for you Julie. You can then stop banging your head against the computer.

Posted: **Fri Nov 20, 2009 3:04 pm**

For the first time in years, I am seriously excited about Christmas. But only for it to be over so that I can make my final payment!

And then I will stop banging my head on my computer. It does sting a little bit after four years and 10 months....! Ouch!

Julie [B)]

Posted: **Sat Nov 21, 2009 12:35 am**

Not long to go jes - good luck for the remainder!

Posted: **Sat Nov 21, 2009 8:25 am**

JJ...thats great news....well done!

Jes not far for you to go now and also Ladyh following close behind.

Great to see posts of those having completed or nearing completion. Shows the IVA system does work and gives the rest of us some hope.

Well done all.

www.iva.co.uk

They think its all over...........................