Martgoingmad..... just waiting to hear in regards to my mortgage with N Rock and whether they will allow me to continue on "Interest Only" before I submit my 1st year I & E...wow nearly 12 months now.
Biggest concern would be that N Rock refuse to allow me to extend, although speaking to the Dept involved they dont envisage any problems.
Fingers firmly crossed!
Still can't believe, after so long living on credit, I've went over 12 months now without any type of credit (except insurance and mobile phone) and only a handful of letters over that time from creditors.
Cant say general living day to day has been easier without credit but it certainly helps to make me sleep better and whilst we havn't had much money for luxuries, trips abroad and new cars, it has allowed me to concentrate much more on the important things in life....especially my family.
I spent so many years worrying about money and buying/spending on non-essential items and so little time on the real things that matter in our lives, however, the IVA and realisation of what really matters has been a breath of fresh air over this past year and gave me a chance to put things right for our future.
Good luck to us on the next 4 years and beyond!
Many regards.
Last edited by
Pennyless on Sat Oct 02, 2010 10:36 am, edited 1 time in total.
I came into this world with nothing and still have most of it left!
