Posted: Fri Dec 21, 2012 9:49 am
Been paid and last payment for IVA has gone to FJ. I feel so free. Now can't wait for January pay day as it will be the first time for years that my wages will be mine.
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Posted: Fri Dec 21, 2012 9:54 am
Congratulations wiggle1!! Really chuffed for you. Sure you will now have a merry time during the festive season! x
Posted: Fri Dec 21, 2012 9:57 am
What a great way to start the christmas holidays 
Congratulations and have a good christmas
Congratulations and have a good christmas
Posted: Fri Dec 21, 2012 10:02 am
I am loving hearing all these messages about finalising and last payments! We are just starting this journey and dream of the day we can post 'last payment' messages!!! It must be such a wonderful feeling! Many congratulations and have a fantastic christmas! Roll on 2013..its gonna be great for you!
Posted: Fri Dec 21, 2012 10:37 am
WELL DONE wiggle. Might have a can later on to celebrate this! [:D]
Posted: Fri Dec 21, 2012 1:05 pm
Thanks for all the good wishes. Merry Christmas everyone!
Posted: Fri Dec 21, 2012 2:30 pm
Congratulations Wiggle, hope you have a wonderful christmas and a fantastic debt free new year. xxxx
Posted: Fri Dec 21, 2012 7:39 pm
congratulation , hope the cc arrives soon
Posted: Fri Dec 21, 2012 8:01 pm
Well done wiggle,,isn,t it a great feeling,,,,
Posted: Fri Dec 21, 2012 8:51 pm
Thanks everyone. Now that it's becoming a reality I've started to think about "life after iva" Our iva lasted for 5 years 6 months, so after we receive the cc (God willing it won't be held up for too long) how long do we wait before clearing up our CR?
Posted: Fri Dec 21, 2012 10:23 pm
Well done Wiggle. CR will start clearing itself on the 6th anniversary of your start date. Nearer the time get copies of the files to make sure default dates are set to on or before the IVA started, so they drop off in time.
Posted: Fri Dec 21, 2012 11:05 pm
Congratulations.
Posted: Fri Dec 21, 2012 11:18 pm
Great News Wiggle !!!! Hope your celebrating !!! [:)] Have a fantastic debt free future !!!!
Posted: Sat Dec 22, 2012 8:33 am
cogratulations 5 more for me very slowly thesefew months will go im sure ENJOY
ENJOYPosted: Sat Dec 22, 2012 9:55 am
well done wiggle , great post
Re clearing up your credit file, ive been there and worn the tshirt recently , so would suggest the following.....DO NOTHING
my IVA lasted just under 6 yrs, so with closure delays saw 6 years 4 months pass by. My credit file took care of itself and defaulted accounts just dropped off. The only was I intervened, was when after several weeks DFD still hadnt notified the insolvency service of my completion certificate, I emailed it to them and 2 days later i dropped off the insolvency register
I now have an above average credit score, but havnt felt the need to apply for credit. I have well and truly learned a lseeon and in all honestly and no disrespect meant to anyone with a drink problem, but I fear that like a reformed alcoholic, for whom it is so easy to fall of the waggon by having just one drink, that if I took credit again, this would be the rocky road to a second period of excessive credit, so for me best i abstain !!
well done again
Orchid5 , any progress for you yet ?
Re clearing up your credit file, ive been there and worn the tshirt recently , so would suggest the following.....DO NOTHING
my IVA lasted just under 6 yrs, so with closure delays saw 6 years 4 months pass by. My credit file took care of itself and defaulted accounts just dropped off. The only was I intervened, was when after several weeks DFD still hadnt notified the insolvency service of my completion certificate, I emailed it to them and 2 days later i dropped off the insolvency register
I now have an above average credit score, but havnt felt the need to apply for credit. I have well and truly learned a lseeon and in all honestly and no disrespect meant to anyone with a drink problem, but I fear that like a reformed alcoholic, for whom it is so easy to fall of the waggon by having just one drink, that if I took credit again, this would be the rocky road to a second period of excessive credit, so for me best i abstain !!
well done again
Orchid5 , any progress for you yet ?