I started a joint IVA with my husband back in 2007 with Accuma which was then taken over by GT. We completed in 2013 having paid a year extra in lieu of remortgaging our house.
Last year we successfully applied for a new mortgage via a broker recommended from this site (Zebra) with Halifax at market rates and were able to move to our dream home. Today, I was able to apply for a loan to help my son buy his first car and was offered the lowest rate (2.7% with Sainsburys).
Believe me, I know that long, hard slog of a journey is hard when you are on it but rest assured when you are out the other side, it all becomes so worth it. Yes, five years later we are still sending cheques to GT re PPI received, but I never viewed it as our money as so much of our debt was written off in the IVA.
The sun is shining and England are still in the World Cup! Stay positive people, it will be worth it!