It wasn’t a TRAIN.

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Waitingforship

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Post by Waitingforship » Tue Nov 20, 2018 10:40 pm
Hello Friends,

I use the term sparingly these days but I really mean it in every sense of the word “FRIENDS”. I have had a rough but worthwhile six year learning curve. I’ve discovered what it means to be truly skint. But I’ve also discovered the freedom that being in control of your finances, albeit with puppy walker constraints on, means for a sleep friendly night. I’ve had weeks, alright sometimes months, where I thought my wife and I would not make it through this journey together. But I’m pleased to say we’re probably closer together now than we’ve ever been. Although I’m still not sure she has grasped the concept of “We can’t do that because I AM in an IVA. Still we are together.

But that no longer matters because today I received a lovely email from Creditfix (ok on the back of a complaint threat) Congratulating me on being debt free and enclosing my Completion Certificate and closure pack. For those still on your journey I can attest it feels as good as you imagine it will, so keep up the struggle, you will get there.

I just want to say that I honestly may never have made this journey intact without the sound advice and support from the lovely people that make up this forum. There are countless people who support these boards for no reason other than to help others. People that have trodden where I have trod and where many of you guys are still treading. So thank you all. Names like Foggy, Kallis, Ryan, Sean and Merlin immediately spring to mind, but there are many many more and I apologise for not mentioning you all.

So to all of you lovely people, than you so very much for all you do. You are very very much appreciated.

Waitingforship

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Post by Waitingforship » Tue Nov 20, 2018 10:42 pm
Oh yeah. The title, It wasn’t a train coming. It really was light at the end of the tunnel.
:D :D :lol:

luluj

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Post by luluj » Wed Nov 21, 2018 4:34 am
Thats brilliant news ...so glad the forum has been able to help you. Please stay in touch with us and help others in their journies.
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"

kallis3

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Post by kallis3 » Wed Nov 21, 2018 7:31 am
Fabulous news - and a lovely post. Keep in touch.
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

Foggy

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Post by Foggy » Wed Nov 21, 2018 7:42 am
Excellent !

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
http://foggy.blogs.iva.co.uk

Ryan

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Post by Ryan » Wed Nov 21, 2018 8:35 am
Great post and all the best for the future.

Regards
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page

Joanne.nd

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Post by Joanne.nd » Wed Nov 21, 2018 10:40 am
Waitingforship wrote:
Hello Friends,

I use the term sparingly these days but I really mean it in every sense of the word “FRIENDS”. I have had a rough but worthwhile six year learning curve. I’ve discovered what it means to be truly skint. But I’ve also discovered the freedom that being in control of your finances, albeit with puppy walker constraints on, means for a sleep friendly night. I’ve had weeks, alright sometimes months, where I thought my wife and I would not make it through this journey together. But I’m pleased to say we’re probably closer together now than we’ve ever been. Although I’m still not sure she has grasped the concept of “We can’t do that because I AM in an IVA. Still we are together.

But that no longer matters because today I received a lovely email from Creditfix (ok on the back of a complaint threat) Congratulating me on being debt free and enclosing my Completion Certificate and closure pack. For those still on your journey I can attest it feels as good as you imagine it will, so keep up the struggle, you will get there.

I just want to say that I honestly may never have made this journey intact without the sound advice and support from the lovely people that make up this forum. There are countless people who support these boards for no reason other than to help others. People that have trodden where I have trod and where many of you guys are still treading. So thank you all. Names like Foggy, Kallis, Ryan, Sean and Merlin immediately spring to mind, but there are many many more and I apologise for not mentioning you all.

So to all of you lovely people, than you so very much for all you do. You are very very much appreciated.
Fantastic news! Congratulations.
Can I just ask how long after your last payment did you get your CC from Creditfix and was the complaint due to the length of time they were taking to issue the CC?

MerlinL14

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Post by MerlinL14 » Wed Nov 21, 2018 2:57 pm
Congratulations, good luck in your debt free future.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues

Waitingforship

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Post by Waitingforship » Wed Nov 21, 2018 10:00 pm
Fantastic news! Congratulations.
Can I just ask how long after your last payment did you get your CC from Creditfix and was the complaint due to the length of time they were taking to issue the CC?[/quote]

To be honest I never actually made the complaint but I was getting seriously racked off with their total lack of communication. I sent 3 emails and had contact with their apologetic customer services who promised to chase up closures. I basically numbered and itemised a list of questions that I demanded they have the curtesy to reply to. The last question was “ To whom do I make my initial complaint to”. I had an email response 24 hours later answering all my questions and telling me I could expect to wait 6 months at the outside but probably less. One hour later they emailed me my CC & closure pack and told me to expect a hard copy by Friday. All in all last payment to receipt of CC 3 weeks. Which I have to say was pretty good going. I wrote back and thanked them, I was so surprised. But as others have said, closure speed is one thing they do well. Good luck with yours.

Joanne.nd

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Post by Joanne.nd » Thu Nov 22, 2018 9:20 am
Waitingforship wrote:
Fantastic news! Congratulations.
Can I just ask how long after your last payment did you get your CC from Creditfix and was the complaint due to the length of time they were taking to issue the CC?
To be honest I never actually made the complaint but I was getting seriously racked off with their total lack of communication. I sent 3 emails and had contact with their apologetic customer services who promised to chase up closures. I basically numbered and itemised a list of questions that I demanded they have the curtesy to reply to. The last question was “ To whom do I make my initial complaint to”. I had an email response 24 hours later answering all my questions and telling me I could expect to wait 6 months at the outside but probably less. One hour later they emailed me my CC & closure pack and told me to expect a hard copy by Friday. All in all last payment to receipt of CC 3 weeks. Which I have to say was pretty good going. I wrote back and thanked them, I was so surprised. But as others have said, closure speed is one thing they do well. Good luck with yours.[/quote]

Thanks. All the best to you :D
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