Hi , finally received my certificate to say my IVA had been fully implemented last weekend . Been a long 6 years but thankfully it's over . Just want to say thanks to everybody on here , I've never posted but any time I've had a problem it has been answered on a post on here .
Made my final payment last June and it's been a very long 11 months , PPI held it up , new legislation passed last July meant they could go for commission on the PPI and this took till April (they recovered less than £20 ) . It's over now though and my IVA company were only doing their jobs so I've no axe to grind . For all it was only a matter of time before it was concluded and was repeatedly told there was nothing to worry about stress and anxiety don't work like that . So everyone going through this I feel your pain , it's worth it though . It's not fully over of course , 3 months before we come off the register and a chance to rebuild the credit rating , but I'll never get in debt again if I can manage it . Thanks again for being there , without even knowing you were , probably loads like me in that regard .
Yeah thanks everyone .
Who knows what normality is , to be honest it's still not quite sunk in yet . Weirdly though I checked my Experian and it said I had a fair credit score which is bizarre . Checked that Anthea Turner one and for all it said poor it was in the mid 500's , I thought it would be zero
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