These things hapened 5 years ago -- and don't really seem that long ago:
Boris Johnson re-elected as London Mayor.
The Shard opened.
Marine "A" was charged with murder.
GOV.UK was launched.
Jimmy Savile investigation started.
Jamed Bond Skyfall was released, as was The Hunger Games.
Robin Gibb, Max Bygraves, Larry Hagman and Whitney Houston died.
Francoise Hollande elected French President.
Malala Yousafzai was shot in Pakistan.
Five years does pass quickly if you do not dwell on it.
We had four years of renting - which had its ups and its downs ... we took each year of the iva as a 20% ... before we knew it we were over half way and on the homeward stretch.
Unfortunately in December 2009 my godmother passed away suddenly and unexpectedly our lives changed once again ... we completed our iva by using my inheritance to reach 100% of original sum plus IP fees. Renting had proved problematic with the letting agency employing a crook who stole our six months rent up front so working with Ryan we set about clearing out credit files and getting our completion certificate. With Ryans help and a high rated mortgage April 2011 saw us return to home ownership ... in 2013 when our iva was completely removed from our files after the 6 years Ryan swapped our mortgage to a high street rate.
10 years on ... I can honestly say the iva was the right thing to do ... it had its ups and downs but hey what doesn't !
If you are unsure then ask for our thoughts - we've all been in the same position at some stage and can help you answer your questions.
Can't believe mine is over with now. Best thing we ever did. I look forward to seeing your acceptance post.
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