Is this real

4 posts Page 1 of 1


Posts: 7
Joined: Wed Nov 14, 2018 2:19 pm

Post by Johnno » Fri Feb 08, 2019 3:38 pm
Afternoon Everyone,

So I made the last ever payment of to to my IVA last month... :shock:

I don't think it had really sunk in that I'd done it, after 6 years of making sure i knew where every last penny was going, until i received a text message this afternoon from Creditfix telling me my account has now been successfully closed and i should receive my documents through the post shortly.

What a journey it has been.

To those of you who are thinking about doing an IVA, 5 years is a LONG time!

However these simple things made it easier for me..

1) I made sure my family knew what i was doing, for at times when things get hard an you need someone to talk to they where there for me to vent.

2) Budget, Budget, Budget - Life is going to be hard unless you make sure you know every penny of what goes in and out of your account. I can't tell you the amount of hours I've spent at the start of each month with my calendar open working out when I'm going shopping how much fuel i can put in my car and what my budget was for things as simple as getting a haircut.

3) Shop Clever - Look around for the best places to shop especially food, i was lucky enough to have a Lidl on my door step that I've been using every Monday evening on the way home for work for the last 5 years. It's cheap but the food isn't that bad, in fact some of the main meals id even give to the dog ;-)

4) Think of the end game, when i came into my IVA i was a real mess, I'd been screwed over financially and if honest was close to doing something silly to make it all go away. However 5 years down the line it's over and done with and i can now start on re building my credit rating in one day hoping to buy a flat.

Oh... and use this forum - the times I've logged on here just to read through other peoples stories. Sometimes you need a reminder that you're not the only person going through this.

So this is me signing off.



User avatar
Forum Expert
Posts: 28939
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Fri Feb 08, 2019 4:03 pm
Well done, Johnno -- and congratulations :-)

Onward and Upward !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014


User avatar
Posts: 1626
Joined: Sun Oct 30, 2011 2:44 pm

Post by MerlinL14 » Fri Feb 08, 2019 7:07 pm
A great positive post Johnno. Congratulations and good luck in your debt free future.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues


User avatar
Posts: 837
Joined: Sun Dec 02, 2012 8:50 pm

Post by abbiesmum2003 » Fri Feb 08, 2019 7:10 pm
Can relate to your post so much!
Congratulationson your successfuliva! Creditfix were really speedy sending us our completion certificate so hopefully you wont wait too long!
4 posts Page 1 of 1
Return to “a success story”