Honestly, it has been tough. Much, much tougher than I had anticipated. However, the security of being in a legally binding agreement has been such a relief.
What we are used to paying for the IVA we are going to spend on a new car. Ours is dropping to pieces.
We also have a secured loan ending at the same time. Monthly payments on that were almost as much as our mortgage!
My final payment goes out tomorrow.
I know there were gripes about CF when lots of us were moved over, but I have to say that my experience with them has been good. Sure they are a bit slow at times replying but I've had direct contact with one of the guys there and he has been great. I emailed last week to confirm I could stop my SO after the last payment and he confirmed I could and told me the CC would come by email & post next week, and gave the the name of the colleague sending it.
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