I will be entering my 4th Year of my IVA and the light at the end of the tunnel is still a long way off, it feels like the 18 or 19 mile mark in a Marathon.......not the start of the middle or the end
I guess I just need a few words of wisdom from some of those on here who have been at this mile marker........I feel like I'm stuck in the mud of the IVA just waiting for the February paperwork for the I&E then push on again .....is this normal or just me being silly and stupid
I could be wrong, but this is one area where there isn't I guess any emotional support, like there is for health conditions etc...
Entering a long term financial binding agreement is two fold; making the payments, plus the stress and anxiety it causes to a person.
Remember, everyone's level of emotional tolerance is different and may find it harder to cope with through the years than others.
Getting out of debt is a good thing. Maybe with a little tweaking from the IVA big companies, they could lend a bit of their departments to a support line for their clients. Just a bit of official assurance, there is light at the end of the tunnel.
I was lucky not to have any equity in my property so mine lasted 5 year not 6 so had to wait 12 months after the end for it all to disappear from my credit records.
I am now around two and half year after the completion with an Excellent Credit rating back and accepted straight away for a 4% car loan for the replacement car I bought a couple months ago.
Before the IVA I would just go out and spend money on credit cards to pay for holidays but the IVA taught me to control that and the Credit card I have is paid off in full each month with just enough going on it to help my credit records.
The support on here is excellent from those that have been through it themselves plus those Experts that give advice.
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