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					Dougie 					
					
															
										
																				 
				Posts:  217  				Joined:  Thu Oct 30, 2008 7:11 am 				
				
																			Location:  United Kingdom 
													
																 
				
					
															
					
					
					Finally, after 6 of probably the toughest years of my life I got home today to find my completion certificate has arrived!! 
 
Can't tell you all how good it feels to have got through this journey and still be married and sane too! 
 
Melanie Giles and PJG have supported me all the way, had a few wobbles but we made it and can finally put this behind us and move on, debt free. 
 
Good luck to all those still on the journey or just contemplating starting, it's not easy but stick at it and use this forum to help you through. 
 
Cheers all
					
					
															
															IVA Accepted - Sep 2009 
F&F Accepted - Oct 2014 
CC Received - Jul 2015
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					MrsR 					
					
															
										
																				 
				Posts:  1201  				Joined:  Mon Oct 31, 2011 9:30 pm 				
				
																			Location:  United Kingdom 
													
																 
				
					
															
					
					
					Fantastic news Dougie!
Good luck with your debt free future 
 
					
					
															
															Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!
Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA 
 
Completion Certificate received- 30th April 2015!!
 
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					starbucksqueen 					
					
															
										
																				 
				Posts:  101  				Joined:  Mon Feb 02, 2015 9:00 am 				
				
																			Location:  United Kingdom 
													
																 
				
					
															
					
					
					Wonderful news!!
					
					
															
															F&F accepted on 29.5.15 
CC received 9.7.15
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					Foggy 					
					
															
										
																				 
				Posts:  33395  				Joined:  Fri Dec 17, 2010 11:14 am 				
				
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					Well Done Dougie -- Onward and Upward 
 
					
					
															
															My opinions are merely that .. opinions based on experience. Always seek professional advice. 
IVA Completed  23rd July 2013 .... C.C. 10th January 2014
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					ontheroad 					
					
															
										
																				 
				Posts:  223  				Joined:  Tue Oct 06, 2009 4:10 pm 				
				
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					Well done Dougie, enjoy your debt free future.
					
					
															
															
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					Dougie 					
					
															
										
																				 
				Posts:  217  				Joined:  Thu Oct 30, 2008 7:11 am 				
				
																			Location:  United Kingdom 
													
																 
				
					
															
					
					
					Thanks everyone, taking a while to sink in. This forum has been invaluable over the years so will keep checking in.
					
					
															
															IVA Accepted - Sep 2009 
F&F Accepted - Oct 2014 
CC Received - Jul 2015
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					zee 					
					
															
										
																				 
				Posts:  52  				Joined:  Tue Aug 07, 2012 9:16 am 				
				
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													by 
zee  » Wed Jul 15, 2015 10:37 pm
						
 
						
																							
																		 
					
					
					Well done Dougie and enjoy your debt-free life and l'm sure the lessons learnt through the IVA process will make you a better person forever. 
This certainly gives the rest of us hope.
					
					
															
															
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					luluj 					
					
															
										
										Forum Expert										 
				Posts:  11333  				Joined:  Sun Dec 09, 2007 6:54 am 				
				
																			Location:  United Kingdom 
													
																 
				
					
															
					
					
					Great news ...now your new debt free life can really start !
					
					
															
															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"