I’m new here and would just like to say hello to everyone. I been through hell and back with Debt problems and I know it feels.
I completed an IVA in June 09 after only being in the IVA for 12 months. I was made redundant and I settled the IVA with 50% of my redundancy payout, and have wiped of a huge amount of Debt! I still can’t believe it.
I would just like to ask if anyone has got any advice on what I need to do to start thinking ahead as I would really like to get on the property ladder one day?
I know this sounds silly since I don’t have the best background however, being in debt has really changed my life and I really look after the pennies now. I now have a healthy sum behind me in savings.
Any advice on what to do as forward planning? Do I start with Credit reports etc..? I know I had a CCJ from one Creditor in 2008ish.. Will this now be gone, as it was part of the IVA I completed?
Also if anyone has any questions regarding my final settlement, ill be happy to help.