www.iva.co.uk

I’ve been Fortunate enough to receive bonuses and my recent one enabled me to offer 100p/£; yesterday I received my completion certificate

Massively underwhelmed but it feels amazing to be debt free

My wife, whose IvA was interlocking with mine, has just 2 payments to go so hopefully she will receive her completion certificate before Xmas

Thanks to all those who answered my many questions and good luck to those progressing through but there is light at the end of the tunnel

Well done and congratulations ! It is an odd feeling -- similar to the start you range through many emotions, but it seems a little unreal. And the Holy Grail ... the "certificate" is as underwhelming as it comes ! But it is worth it in the end

Thanks Foggy; very strange feeling, I am still expecting a call asking for more. Glad I am at the end though its been a tough slog but I've learnt so much

Congrats and well done on achieving 100% payback.