Its over!

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flow13

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Post by flow13 » Mon Aug 22, 2011 9:52 am
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We made our FINAL payment on 16th August into our IVA, and then we went out for a meal to celebrate.

I cant believe we have finally finished. We probably won't notice the difference for a while as there are things that need doing, but its knowing that we don't owe anyone any more money. We are FREE.

I just wanted to say thank you for all the help and advice you have all given me. I am not sure how we would have survived without this site.

DFD have been great and we can't fault them, even when we have had hiccups. [:)]

And now, its the start of the rest of our life. Its kind of scary because we are not controlled anymore, and feel we are going out there into the big wide world on our own again. But, I know that our life will now be a very different one to what we have previousley had.

We have started making plans for our future, and we are so happy right now. [:)]
Its now time to start living and to make some some wonderful memories!
Read my blog at http://flow13.blogs.iva.co.uk/ 'Aiming for the finish line'
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back on track

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Post by back on track » Mon Aug 22, 2011 9:58 am
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great news and well done.
i cant wait till our time comes and seeing others get there is a great help.
stick around and keep us imformed on how you get on,as this also helps us when we get to the promised land[:D]
cc received 6th January 2014 now upwards and onwards
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kallis3

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Post by kallis3 » Mon Aug 22, 2011 10:03 am
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Fab news flow, good luck for the future and keep posting!
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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flow13

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Post by flow13 » Mon Aug 22, 2011 10:03 am
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Hi, thanks for your reply.
The time will go so quick for you. I know it did for us.
I can't believe 5 and half years have gone already.
Its now time to start living and to make some some wonderful memories!
Read my blog at http://flow13.blogs.iva.co.uk/ 'Aiming for the finish line'
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Skippy

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Post by Skippy » Mon Aug 22, 2011 10:05 am
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Congratulations Flow!
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Ivaniva

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Post by Ivaniva » Mon Aug 22, 2011 10:13 am
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Congratulations and well done.
I can imagine it is a scary.
I have just had it confirmed that my final installment is Dec 2011 so I'm getting pretty excited.
Final payment made Dec 2011.
Certificate of Completion arrived 26th Sept 2012
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flow13

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Post by flow13 » Mon Aug 22, 2011 10:16 am
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It is a wonderful feeling but I also feel like I did when I moved out of my parents house. x
Its now time to start living and to make some some wonderful memories!
Read my blog at http://flow13.blogs.iva.co.uk/ 'Aiming for the finish line'
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kallis3

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Post by kallis3 » Mon Aug 22, 2011 10:24 am
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It must feel strange after all these years.
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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Declan at DebtFreeDirect

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Post by Declan at DebtFreeDirect » Mon Aug 22, 2011 11:33 am
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Congratulations and well done Flow. I know it’s been tough at times but you have come through it strong and you can now look forward to a debt free future.

Thanks
Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.
http://www.debtfreedirect.co.uk/iva/
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12 months to go

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Post by 12 months to go » Mon Aug 22, 2011 8:48 pm
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well done flow

when was your last review and have DFD indictaed there will be a final I&E review to complete ?

just curious as i will be in your shoes in 11 months time and am wondering if i will have 2 reviews next year ie scheduled on anniversary and then 2 months later when last payment made

well done and enjoy the cash
Last payment made April 2012
Certificate received 1st Nov 2012
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flumpy dog

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Post by flumpy dog » Mon Aug 22, 2011 9:00 pm
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congrats flow xx[:o)]
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kallis3

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Post by kallis3 » Mon Aug 22, 2011 9:04 pm
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Not long for you now then 12 months!!

You'll have to check with your IP about how many I&E reviews you will have to go through.
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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flow13

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Post by flow13 » Tue Aug 23, 2011 9:06 am
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12 months- I called DFD yesterday to confirm the final payment, and they never mentioned an i & e. They just said that it could take a while for certificate as they needed to wait/chase creditors for their final claims.
We paid 5 and half years. We were due a review last December bur received a letter from DFD to say that due to only having 6 months left they were not carrying out a final review, as there would not be any changes.
I have to say DFD have been great. Even the lady yesterday was great on the phone with the information she gave me. She was really helpful and told me what to do after we received the certificate. x
Its now time to start living and to make some some wonderful memories!
Read my blog at http://flow13.blogs.iva.co.uk/ 'Aiming for the finish line'
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flumpy dog

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Post by flumpy dog » Tue Aug 23, 2011 9:08 am
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congratulations flow xx[:o)]
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Broke of London

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Post by Broke of London » Tue Aug 23, 2011 11:50 am
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That's great news! I love success stories! Enjoy your new-found freedom!!! x
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