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Posted: Mon Aug 22, 2011 9:52 am
by flow13
We made our FINAL payment on 16th August into our IVA, and then we went out for a meal to celebrate.
I cant believe we have finally finished. We probably won't notice the difference for a while as there are things that need doing, but its knowing that we don't owe anyone any more money. We are FREE.
I just wanted to say thank you for all the help and advice you have all given me. I am not sure how we would have survived without this site.
DFD have been great and we can't fault them, even when we have had hiccups. [:)]
And now, its the start of the rest of our life. Its kind of scary because we are not controlled anymore, and feel we are going out there into the big wide world on our own again. But, I know that our life will now be a very different one to what we have previousley had.
We have started making plans for our future, and we are so happy right now. [:)]
Posted: Mon Aug 22, 2011 9:58 am
by back on track
great news and well done.
i cant wait till our time comes and seeing others get there is a great help.
stick around and keep us imformed on how you get on,as this also helps us when we get to the promised land[:D]
Posted: Mon Aug 22, 2011 10:03 am
by kallis3
Fab news flow, good luck for the future and keep posting!
Posted: Mon Aug 22, 2011 10:03 am
by flow13
Hi, thanks for your reply.
The time will go so quick for you. I know it did for us.
I can't believe 5 and half years have gone already.
Posted: Mon Aug 22, 2011 10:05 am
by Skippy
Congratulations Flow!
Posted: Mon Aug 22, 2011 10:13 am
by Ivaniva
Congratulations and well done.
I can imagine it is a scary.
I have just had it confirmed that my final installment is Dec 2011 so I'm getting pretty excited.
Posted: Mon Aug 22, 2011 10:16 am
by flow13
It is a wonderful feeling but I also feel like I did when I moved out of my parents house. x
Posted: Mon Aug 22, 2011 10:24 am
by kallis3
It must feel strange after all these years.
Posted: Mon Aug 22, 2011 11:33 am
by Declan at DebtFreeDirect
Congratulations and well done Flow. I know it’s been tough at times but you have come through it strong and you can now look forward to a debt free future.
Thanks
Posted: Mon Aug 22, 2011 8:48 pm
by 12 months to go
well done flow
when was your last review and have DFD indictaed there will be a final I&E review to complete ?
just curious as i will be in your shoes in 11 months time and am wondering if i will have 2 reviews next year ie scheduled on anniversary and then 2 months later when last payment made
well done and enjoy the cash
Posted: Mon Aug 22, 2011 9:00 pm
by flumpy dog
congrats flow xx[:o)]
Posted: Mon Aug 22, 2011 9:04 pm
by kallis3
Not long for you now then 12 months!!
You'll have to check with your IP about how many I&E reviews you will have to go through.
Posted: Tue Aug 23, 2011 9:06 am
by flow13
12 months- I called DFD yesterday to confirm the final payment, and they never mentioned an i & e. They just said that it could take a while for certificate as they needed to wait/chase creditors for their final claims.
We paid 5 and half years. We were due a review last December bur received a letter from DFD to say that due to only having 6 months left they were not carrying out a final review, as there would not be any changes.
I have to say DFD have been great. Even the lady yesterday was great on the phone with the information she gave me. She was really helpful and told me what to do after we received the certificate. x
Posted: Tue Aug 23, 2011 9:08 am
by flumpy dog
congratulations flow xx[:o)]
Posted: Tue Aug 23, 2011 11:50 am
by Broke of London
That's great news! I love success stories! Enjoy your new-found freedom!!! x