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Posted: Mon May 30, 2016 4:36 pm
by footiemad
Tomorrow I will make my last payment and I've calculated that we've paid back over £110,000. This includes £30k in uplift payments and £10k shares. We had no PPI to reclaim!! Our initial debt was £126,000 although reduced to £115,000 because of a claim which was rejected for some reason. I expected to be elated at this point but I don't. I just cannot believe that we will be out of this until the cc arrives. I think if we had not been transferred to another company I would be feeling much more optimistic. Anyway, a holiday has been booked and paid for and I cannot wait. First trip away as a family since 2009. I'll keep you all posted as completion progresses.
Posted: Mon May 30, 2016 4:43 pm
by kallis3
Great news footiemad and well done - the letter will be here before you know it!
Enjoy that holiday, it will be so relaxing for all of you.
Posted: Tue May 31, 2016 9:03 am
by plasticdaft
Great news.
Paul
Posted: Thu Jun 02, 2016 3:41 pm
by Lisa Thomas
Wow, well done and have a wonderful holiday - you deserve it!
Posted: Fri Jun 03, 2016 8:17 am
by footiemad
Thank you all for your good wishes. i cancelled my DD and must admit it made me feel really good. Amazed at how fast the last 5 years have been - it'll be strange not having to send the payslip for someone to scrutinise. Can't imagine ever being in debt again though, this has taught me such a good lesson in life. I've never been really materialistic but I always used to shop at what I call decent shops. Nowadays I'd make a good model for Tu or F&F and when I need anything special for the kids or an occasion I go to Bicester shopping village. Fingers crossed for a brighter and less stressful future for all of us entering and completing our IVA's.
Posted: Fri Jun 03, 2016 6:09 pm
by Foggy
Well done and congratulations --- things will feel even better when your pay packet goes into the bank and no IVA payment comes out !!!
Onward and Upward
Posted: Thu Jun 09, 2016 8:46 pm
by country girl
Just caught up with this Footiemad as I have been away. Congratulations and well done I am so pleased for you that you have reached the final payment. I too just felt relief and will never get myself in that position again but these things do totally spiral out of control. I am sure you will soon have that CC but enjoy that extra cash each month and that holiday.
Posted: Thu Jun 09, 2016 9:52 pm
by footiemad
Thanks Country Girl!! I can't wait for the holiday. How about a drink in the City when I get the CC maybe down riverside, would be lovely to finally meet you?
Posted: Sat Jun 11, 2016 7:52 am
by Shining
Enjoy your holiday, you more than deserve it and well done on last payment. Hoping the CC arrives soon.
Posted: Sat Jun 11, 2016 3:20 pm
by country girl
Yes Footiemad it would be good to meet up I have been thinking the same. Let me know when it arrives and we can celebrate! Riverside is fine with me.
Posted: Sun Jun 12, 2016 4:50 pm
by recovering
Well done you!!!
It feels like such a loooooong time at the moment!
Posted: Sun Nov 13, 2016 8:42 am
by Radish
Enjoy your holiday - and a debt free future