I cannot thank the people on this forum enough. I put forward my full and final offer in April , 2nd May had variation meeting and today received my completion certificate. I was with creditfix and for me they were brilliant, a couple of delays at the beginning but they got me the lowest monthly payments (other companies estimated a lot more as an offer per month). They also moved quickly with closing this.
I have to say the IVA was the best decision for my family I made, I'm now debt free for the first time in years . The IVA stopped my worrying and living in the budget has set about teaching me how to sort my finances , save and plan as before it was the dreaded cycle of paying off one thing and taking out something else. The people and advise on here reassured me as hardly anyone knows I even had debt . Thankyou all and please any advise on what I should do now regarding fixing my dreadful but deserved credit score , not for credit but so I can perhaps get better deals or a better bank account would be greatly appreciated .
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
