Hi I made my last IVA payment on the 30th Sep 2009

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amanda.30

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Post by amanda.30 » Wed May 19, 2010 10:18 pm
Hi Julie, its a little strange not having to make the payment every month after being used to paying it out for 5 years. I always seem to find something to spend it on though money just seems to go no where these days everything is so expensive nowadays x
 
 

Daveyboi

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Post by Daveyboi » Wed May 19, 2010 10:19 pm
Amanda

my IVA is £600 a month so I am sure I will notice the difference when mine finally finishes LOL.

A Holiday and start saving for a deposit is my goal once I complete

Davey
DaveyBoi - Just Keep Smiling :)

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Julie

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Post by Julie » Wed May 19, 2010 10:24 pm
I think we quickly adapt to having"extra" money and you probably wonder how you afforded the IVA?

Saving for a holiday is a great goal Dave [8D]
 
 

amanda.30

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Post by amanda.30 » Wed May 19, 2010 10:51 pm
yep holiday definately sounds great, thats a lot of money to pay out every month Davey I'm sure you will notice the difference when you complete.

Yeh agree with that Julie it does make you wonder have you managed to pay it in first place x
 
 

kallis3

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Post by kallis3 » Wed May 19, 2010 10:58 pm
Definitely a holiday for us as well - that's some years away yet though!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Shining

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Post by Shining » Thu May 20, 2010 7:01 am
I would love a holiday and a new car but these can wait, I'm doing my best now to get debt free but I do find myself dreaming some days about which holiday and which car x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

kallis3

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Post by kallis3 » Thu May 20, 2010 12:53 pm
I know exactly where we are going, and we're fortunate (or not, depedent on how you look at it!) that we can get a motability car and so renew it every three years.

No holiday until at least 2014 though.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

animaleyes76

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Post by animaleyes76 » Thu May 20, 2010 1:28 pm
I'll be interested to see how this goes for you.

I have 18 months left on my IVA and most of my creditors haven't claimed.

Assuming the ones that have get 100% and the IVA fees are paid, there would still be an excess of about 7-10k left!!
 
 

amanda.30

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Post by amanda.30 » Thu May 20, 2010 5:42 pm
Hey guys, just thought I'd let you know how I got on today. Unfortunately I completely had my figures wrong and there will be nothing left over after the claims are paid.

3 of the creditors hadnt claimed but actually had more than 1 claim against me for example Max recovery had 10 claims (they must have bought the majority of my debt) and have claimed 9 of them. When I was first told they had been excluded I assumed that they hadnt claimed any of them not just one.....my mistake but never mind at least my certificate should be through in a couple of weeks :-)

Thanks for all your help and support xx
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