We've reached the end!

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Emmie01

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Post by Emmie01 » Sat Apr 02, 2016 8:17 pm
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I had to write a message to say that after 6 lonnnnnnnng years, we have finally finished our IVA! I tell you, I've begged for this day & it's still so hard to believe.

Aperture were very efficient too!! We made our last payment on the 01/03/16 and received our completion certificate today! Just got to wait until 5th May for it to disappear from our credit file!

Many thanks to everyone for advice and even though I haven't posted too many times, this site has been a godsend.

[}:)] X
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MerlinL14

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Post by MerlinL14 » Sat Apr 02, 2016 8:21 pm
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Congratulations.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
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Foggy

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Post by Foggy » Sat Apr 02, 2016 8:26 pm
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Well done, and good to see that Aperture is departing from it's previous incantations completion delays :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Mr Frugal

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Post by Mr Frugal » Sat Apr 02, 2016 8:27 pm
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A BIG very well done and enjoy the freedom at long last
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Emmie01

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Post by Emmie01 » Sat Apr 02, 2016 8:29 pm
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Aw thank you! I did mean to put this in the new questions bit not the complaints - no complaints from here!! And I also meant to smile and not be devilish but hey! Thanks!! :)
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kaza

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Post by kaza » Sat Apr 02, 2016 8:50 pm
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Congratulations we completed with th apeture back in November and got our cc early January .

Life post Iva is good we have clear credit ratings even treated ourselfs to two much needed new cars with main dealer finance for both of them ( both payments less than our Iva payment)
And next month we have booked and paid for a two week all inclusive much longed for holiday to Dominican Replic.
We are currently SAVING ( something we never did pre Iva) for a new bathroom!

Hope life post Iva is good X
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lifenoteasy

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Post by lifenoteasy » Sat Apr 02, 2016 9:07 pm
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Congratulations. Having just received ours we know the feeling.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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lilaclady2k

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Post by lilaclady2k » Sat Apr 02, 2016 9:46 pm
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Congratulations
Last edited by lilaclady2k on Sat Apr 02, 2016 9:47 pm, edited 1 time in total.
life never seems to be the way we want it to be, but we live it the best we can . there is no perfect life but we can fill it with perfects moments.....
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kallis3

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Post by kallis3 » Sat Apr 02, 2016 9:57 pm
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Well done from me as well.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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plasticdaft

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Post by plasticdaft » Sun Apr 03, 2016 8:48 am
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Great news and very pleasing that completion certificates can be dealt with so efficiently.

Enjoy the debt free future.

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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Emmie01

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Post by Emmie01 » Sun Apr 03, 2016 9:16 am
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Thanks everyone, very much! I can't wait for may when finally check our credit file and see it's gone for good!! I feel we have learnt a great deal too, its quite nervy to think about life after an iva - we will have a lot of extra income which will be a strange but amazing feeling!!
Congrats to you all who have completed too & hang in there for those who are still treading water - it's worth the wait!! :)
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luluj

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Post by luluj » Mon Apr 04, 2016 3:16 am
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Well done.....enjoy your new debt free life
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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Lisa Thomas

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Post by Lisa Thomas » Mon Apr 04, 2016 9:48 am
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Well done Emmie, great news.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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pod_moo

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Post by pod_moo » Mon Apr 04, 2016 10:18 am
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Congratulations, having just reached the end myself I know what a great feeling it is!
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Shining

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Post by Shining » Mon Apr 04, 2016 8:18 pm
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Fab news, well done on getting to the end!
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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