It's Friday, it's sunny and I've just made my final payment

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Seanj67

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Post by Seanj67 » Fri Jun 16, 2017 9:29 am
and it feels good! I won't see any benefit until next moth, but that's ok, it's one payment I can scrub off my spreadsheet!

the 6 years has gone well overall. Yes, there were times I wondered if i'd made the right decision, but the alternative was worse. I was lucky that my employers allowed me to work from home a lot so I saved on travel costs which helped. I told the IP and it didn't affect my payments so that's good. The journey has taught me a lot, things I should have learned before I got to the IVA stage, but it is what it is, and now I'm perhaps in a position to offer my advice/experience to someone else, having lived it myself.

S

Foggy

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Post by Foggy » Fri Jun 16, 2017 9:32 am
Well done and congratulations ! Hopefully the CC shouldn't be too long.

Onward and Upward.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014

kallis3

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Post by kallis3 » Fri Jun 16, 2017 9:36 am
Brilliant news - well done!!
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

Ryan

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Post by Ryan » Fri Jun 16, 2017 9:37 am
3 reasons to celebrate. Great news, congratulations Sean.
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Lisa Thomas

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Post by Lisa Thomas » Fri Jun 16, 2017 11:08 am
Well done on having the finish line in sight!
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk

Seanj67

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Post by Seanj67 » Fri Jun 16, 2017 1:45 pm
Thanks all!

I've just had confirmation the they will be "distributing dividends" next week. I assume this just means them handing over the money I've paid in? They've said my CC will be in the post & email next week too.

S

kallis3

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Post by kallis3 » Fri Jun 16, 2017 2:00 pm
Good news - let us know when it arrives.
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

Oopssidaisies

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Post by Oopssidaisies » Fri Jun 16, 2017 5:07 pm
That's fantastic! Well done you! My last payment is at the end of the month and I can't wait!

luluj

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Post by luluj » Sat Jun 17, 2017 2:41 am
Brilliant and hopefully a speedy closure too. Enjoy your new debt free life.
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"

Lisa Thomas

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Post by Lisa Thomas » Mon Jun 19, 2017 8:41 am
Yes that means they are paying the creditors some money - sounds like you will get your CC very quickly.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk

Seanj67

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Post by Seanj67 » Tue Jun 20, 2017 11:51 am
Well, I've just had an email from CF confirming that my case is now closed and my CC will be with me in a couple of days :)

S

harrysmummy78

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Post by harrysmummy78 » Tue Jun 20, 2017 12:10 pm
Great News, Well done all the best for the future :)
Inter-locking IVA approved 25th Feb 2013 - F&F offer Accepted 06th July 2017 - Completion Certificate received 20th July 2017

Foggy

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Post by Foggy » Tue Jun 20, 2017 4:11 pm
Seanj67 wrote:
Well, I've just had an email from CF confirming that my case is now closed and my CC will be with me in a couple of days :)

S

:) :)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014

Seanj67

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Post by Seanj67 » Wed Jun 21, 2017 7:35 am
Morning all.

Just to update you, I had an email at 05:30 this morning from Creditfix and attached was my final report ( with advice to send to Experian & Equifax ) and my completion certificate attached - there's a hard copy in the mail. I probably won't frame the certificate and hang it in the hall....

So that's it. it seems I'm done. It feels a bit odd really.

S

kallis3

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Post by kallis3 » Wed Jun 21, 2017 7:44 am
Great news - hopefully it will drop off the Insolvency Register soon ass well!
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
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