www.iva.co.uk

So, after a long long long dusty road, we are 2 payments short of the end. There were times when I thought we wouldnt make it, and there were times when knew we must, but all of sudden, were almost there and starting to consider life thereafter. To all of you just strating, half way through or in it and struggling, hand on in there, its long and slow, but you DO get there....thanks to all on the forum for the snippets of advice and thanks to all who contribute - your posts have anserede many a quation of mine too! I will come back in a few months with the big Woohooo, but thought I would check in as its been a while.

well done, It must be a huge relief. I am just starting the journey and hoping time will move quickly and the end is in site.

good luck!

Well done for getting this far. Must be a great feeling

Congratulations on nearing the end! It must feel amazing!!! x

Congratulations from me too, Im just pleased my count down ticker has dropped to nearly single figures now, so to have only 2 to go I bet you will feel ecstatic to watch these 2 go by quickly! X

well done. Bet you cant wait xx

Well done Andy wish I was in your shoes but hopefully my time will come next year good luck for the future debt free

Hi all,

Many thanks for your kind words. Yes, the sense of relief is overwhelming - as of today, 1 payment left....and I can now say, our last paymwent is due at the end of THIS month! Its been hard, it isnt meant to be easy and we so nearly failed several times, but we learned new ways of surviving and just got through it. You will all do the same. The whole point of this 5 years "stretch" is to sort yourself out and my god we have, we are NEVER getting into debt again and NEVER going to have credit cards again - ever. Lesson well and truly learned. Now its time to start living again, properly for the first time in 10 years. What a lot of wasted years, but hey, dont look back, just look forward now.

Well done .....excellent achievement for you and enjoy debt freedom.

Fantastic, I'm not too far behind you and although I'm having a few problems thrown at me towards the finishing line, I'm very determined to finish this!

I know how you feel lesley, I am struggling at the moment and I know it is because I have my two daughters uniforms to sort out and everything they need for the new school year, I have just submitted my 4th year review papers and I am worried that something will be thrown at me to but I just have to hope and pray everything will be ok I am determined to finish this in 12 months and not have to add on more months to be IVA I just want to be sitting this time next year with it all behind me and debt free

You must be own to one payment to go now ........well done !

FINAL payment made today.....feels like a boulder has been lifted, although wont quite believe it until we get the official papers - took GREAT satisfaction in cancelling the 5 year old standing order today though - instantly £647 per month better off! b***** good holiday coming up next summer. Thansk again to all who helped and encouraged and the best of luck to you too - some of you are close behind me!

Nice one [:)] from one Andy to another[:)]

Congratulations 600andy and enjoy your debt free future!