last payment 28/02/17 and certificate of completion received today...I know well quick!
I started around 11 years ago with a DMP with payplan which for me was a big mistake as after paying for 6 years or so I discovered that most of the creditors had not frozen interest and to some creditors I owed more than when I started.
After a near breakdown I was pointed in the direction of an IVA. Best thing I could've done! ( I wish I'd known years earlier).
I had a fantastic IP who responded to e-mails and calls immediately and I was extremely lucky to be pointed in her direction. My IP was Elizabeth Pywowarczuk from Liberta financial and I can't thank Liz or her staff more.
It has been a long and educating journey and I'm still pinching myself cause it's finally over.
I wish every single one of you all the luck in the world in your IVA journeys and thank you to this site for helping me through mine.
Have a gander here for credit file clean up info --- if all goes to plan it should be pretty much automatic, but best to keep an eye on things:-
http://www.iva.co.uk/what-does-an-iva-d ... dit-record
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