Hey everyone. I am so excited and thrilled with the news I received today that my full & final offer has been accepted by my creditors.
The feeling of jubilation is tempered by the fact that I know what a mess I was once in, but I am so happy that I found this place a few years ago to help me through the traumatic process of an IVA.
Your help and support was invaluable during the dark days.
With the help of my loving father, I have now had my full & final offer accepted, and I am so thrilled to be debt free - for the first time in 19 years!
It's just such a surreal and amazing feeling to know that I no longer owe money to anybody and that my spiralling debt problem was resolved with your help.
I have to reserve a special and heartfelt word of thanks to Melanie Giles and her brilliant team.
From the very outset on day one of this daunting journey, Melanie, Tina, Laura and the others never judged me, treated me with respect, and understood my predicatment.
They are wonderful people, showing real empathy, and I am just so pleased that I chose them to help me through this.
The full & final was accepted today and I will be clear of debt going forwards.
I've learned such valuable lessons over the last 3 years - mainly to never live outside my means again.
If I get to a ripe old age, I now know that I will be in a position to help my children and grandchildren, with advice and support if nothing else, just as you all helped me.
Melanie particularly, a massive and heartfelt thank you for all you have done. I really hope to see you at the cricket ground in Cardiff some time soon so I can thank you in person.
I also promise I will stay around on this forum for ever, because I now feel I can be in a position to advise and support others just as you guys did to me.
Finally, Jan (Kallis), you were my No. 1 supporter with help and advice via this forum, and so I thank you too.
I know I've never managed to get to one of your famous BBQ's or meet-ups, but in the future, I fully intend to come and say thank you to you as well.
I am just so happy. The weight has gone from my shoulders and I can look forward to a fresh start. [:)][:)][:)][:)] Thank you everyone.....[:D]
Now debt free after F&F in July 2012.
