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Posted: Wed Oct 13, 2010 3:57 pm
by Ianwp
I started my IVA in 2004 and basically had to start it all over again a year later as my salary dropped!
Two weeks ago I completed my 5 years (6 years if you include the first year) and I can now say I did it!!
It was hard at times, especially when in that time several of my work colleagues went bankrupt and I thought 'whats the point in carrying this on' as I just saw their debt issues disappear and it seemed an easy escape for them.
I am pleased that I have at least paid my creditors something back and I still have my self respect and also an extra £262 per month!
Best of luck to everyone thinking of taking out an IVA and to those people paying into one!
Keep paying folks and one day like me it will all be over.
Best Wishes
Ian
Posted: Wed Oct 13, 2010 3:59 pm
by kallis3
Congratulations Ian!
Hope post IVA continues to go smoothly.
Keep posting so we know how things are going.
Posted: Wed Oct 13, 2010 4:16 pm
by Ianwp
Thanks Kallis!
One very important point that I didn't mention was the loved ones that support us to get through our IVA's and that it affects all family members!
My wife has been fantastic support and I would like to say Thank You Ang x
Ian
Posted: Wed Oct 13, 2010 4:19 pm
by kallis3
That's lovely Ian!
Hubby and I are both in an IVA so support each other, and of course I rely on the forum and I have made such good friends on here who have helped.
Posted: Wed Oct 13, 2010 4:23 pm
by Michael Peoples
Well done Ian and an excellent post. It is always good to see there is light at the end of the tunnel.
Maybe the first thing to do with your £262 is treat yourself and Ang to something nice.
Posted: Wed Oct 13, 2010 4:26 pm
by kallis3
Or save it up for a few months for a nice holiday somewhere hot?
Posted: Wed Oct 13, 2010 4:32 pm
by Michael Peoples
I was thinking of a good long drink of something cold....
Posted: Wed Oct 13, 2010 4:37 pm
by kallis3
All inclusive holiday and you could have the best of both worlds!
Posted: Wed Oct 13, 2010 9:16 pm
by Shining
Well done on the completion of your IVA enjoy your debt free future. x
Posted: Wed Oct 13, 2010 11:12 pm
by leaKybrain
This gives hope to those of us starting out. Well done on completing
Posted: Thu Oct 14, 2010 1:09 pm
by Ianwp
Thank you very much for the kind words from everyone!
I just wish that I had found this website, when I was feeling a bit negative and needed some motivation,during my IVA, although my wife kept me going!!
Keep up the good work everyone and I will continue to use this site and give encouragement to anyone that needs it!
Once again many thanks to all.
Ian
Posted: Thu Oct 14, 2010 1:37 pm
by buddoggy
Well done Ian!
I completed not long ago.It`s a fantastic feeling isn`t it?
Well done once again.
Posted: Mon Oct 18, 2010 1:14 pm
by flow13
Congratulations. Can't wait for us to get there now. x
Posted: Tue Oct 19, 2010 5:18 am
by millsy22
hi flow not long to go now it will fly by and then good luck for the debt free future
Posted: Tue Oct 19, 2010 8:42 am
by lexie2005
How lovely to see, we have 2 years left (inc a year for equity payments) & I too wish I had found this site years ago! It is nice to see someone at the end & I say definitely a treat for you & your wife next month!