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phlip
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by phlip » Tue Feb 05, 2019 2:20 pm
Hi I have read this forum daily as it has helped reading about other peoples IVA`s knowing i`m not the only one in one . It has been a godsend as I couldn`t talk to anyone except my wife about being in an IVA.
After 6 years my completion certificate has turned up from Payplan, only 8 weeks since my final payment which is great considering the 2 weeks delay for christmas.
I have to say that Payplan have been brilliant and always there to answer any questions i had .
I had a straightforward IVA, 72 payments all paid on time, starting at £220 a month and finishing in the last year (equity) with £355 i paid bacjk 50% of my 40k debt which I am quite proud of .
Big thanks to all the experts on here who I hope you realise what a godsend you all are answering questions at all times of the day .
To anyone starting or finishing an IVA i think you should be proud of yourselves for sorting your debt out stick with it and time will soon pass.
sorry for the ramble but the beers are in the fridge and I am finally having a big sigh of relief !
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Ryan
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by Ryan » Tue Feb 05, 2019 2:38 pm
Great news, congratulations, i'll pop round for a beer after work.....! Enjoy.


Regards
phlip
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by phlip » Tue Feb 05, 2019 2:46 pm
Ryan wrote:
Great news, congratulations, i'll pop round for a beer after work.....! Enjoy.


Regards

Ha thanks so much Ryan although I can`t guarantee there will be any left !
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Foggy
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by Foggy » Tue Feb 05, 2019 4:15 pm
Congratulations and thank you for your kind words .... and ... well done to Payplan on a swift conclusion.

Onward and Upward. :-)
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kallis3
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by kallis3 » Tue Feb 05, 2019 5:02 pm
Excellent news-well done!
phlip
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by phlip » Tue Feb 05, 2019 5:06 pm
Thanks it's a very strange feeling . Already saved 3 iva payments and have a grand in the bank .
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kallis3
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by kallis3 » Tue Feb 05, 2019 5:30 pm
LOL!
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Foggy
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by Foggy » Tue Feb 05, 2019 6:11 pm
phlip wrote:
Thanks it's a very strange feeling . Already saved 3 iva payments and have a grand in the bank .



Good, isn't it ??
phlip
Posts: 30
by phlip » Tue Feb 05, 2019 6:32 pm
It's an eye opener . I think the best part of an iva is learning to live without credit and on a budget which I plan on doing from now on . I think people should use it as a learning curve for the future so this never happens again .
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Foggy
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by Foggy » Tue Feb 05, 2019 6:39 pm
phlip wrote:
It's an eye opener . I think the best part of an iva is learning to live without credit and on a budget which I plan on doing from now on . I think people should use it as a learning curve for the future so this never happens again .


I agree -- 5 years + on and I am still living to my IVA budget, no credit ( although I do have a couple of cards --- I use them for big purchases for the added consumer protection --- and pay them off right away) and I still use my trusty spreadsheet to keep track !

I think I have turned into Martin Bryce !!
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Keith White
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by Keith White » Tue Feb 05, 2019 7:27 pm
Did someone say it was a beer all round?
phlip
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by phlip » Tue Feb 05, 2019 7:37 pm
Keith White wrote:
Did someone say it was a beer all round?

As long as it's at a wetherspoons!
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MerlinL14
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by MerlinL14 » Tue Feb 05, 2019 7:38 pm
Congratulations Philip
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bethany
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by bethany » Wed Feb 06, 2019 10:37 am
Congratulations!!!

To be able to sleep at night without the worry of debts etc is an amazing feeling, enjoy it :)
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