As the other posters have said, it has been a long, hard journey but it has been the best way for us to deal with our debts, we can now look forward to the future, still in our house that we would have lost if we had gone bankrupt (desperately needs some TLC but we're still here), and rebuild our finances having learned a painful but useful lesson. Still strictly budgeting and enjoying it, won't really appreciate the extra money until my next pay day but feeling better already. Best of luck to everyone who is still on their IVA journey, stick at it and know that it will be worthwhile in the end.
Thank you to you all.
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