IVA FINALLY FINISHED!!!!

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jpj

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Post by jpj » Thu May 19, 2011 5:58 pm
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Hi Folks

I havent posted on here for quite a few months now, but finally found out today that after 5 years my IVA is finally over, and concluded!![:D]

It has been a long road, with a few twists and turns on the way but I finally got there!!!

I would like to say many thanks to Melanie Giles, and Andy Davie especially, who gave me so much good advice and help when I started on my journey 5 years ago!

My life has improved a lot over the last 5 years, I have clawed my way back from an impossible situation where I had debts of over £100k and the future looked bleak. I firmly believe we go through good and bad patches in our lives.

I have learned to respect money a lot more now, and in future I dont plan to have any credit cards, or cars on the never never....

I wish you all the best of luck with your debt repayment plans [:)]
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kallis3

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Post by kallis3 » Thu May 19, 2011 6:01 pm
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Excellent news jpj - congratulations on finishing.

Hope everything works out ok in the future.
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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jpj

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Post by jpj » Thu May 19, 2011 6:07 pm
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Thanks Jan

Well your well over the half way mark too, and im sure the second half of my 5yrs went faster!!!

Great to see you still offering so much support to everyone! :o)
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kallis3

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Post by kallis3 » Thu May 19, 2011 6:16 pm
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I think I'll have to do the extra 12 months though which is a pain but better than a remortgage!

Thank you for your kind words.

Keep posting - I am sure that you will still have something to offer to posters on here.
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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MrsKnight

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Post by MrsKnight » Thu May 19, 2011 6:20 pm
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Congratulations!!!! I love reading posts of getting to the end, makes me work harder & feel more positive that it will soon be over! X
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X



An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt

Lyns x
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jpj

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Post by jpj » Thu May 19, 2011 6:54 pm
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Thanks Lyns

I wont miss my yearly reviews thats for sure!! I would like to think my IVA has made me a better person in some respects...more grounded anyway! ;o)
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jpj

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Post by jpj » Thu May 19, 2011 6:57 pm
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Jan
I had mumblings of a 6th year at one point.... I walked round with a face like thunder the week i was threatened with it!
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kallis3

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Post by kallis3 » Thu May 19, 2011 7:07 pm
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I know I'll do the sixth year but I'm resigned to it!

So glad you have finished - I love it when a plan comes together!
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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nepensioner

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Post by nepensioner » Thu May 19, 2011 7:19 pm
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What a positive post jpj, I am sure it will give encouragement to others on the journey. May your future now be bright..
F & F Accepted 19th Oct 2010
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MelanieGiles

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Post by MelanieGiles » Thu May 19, 2011 10:36 pm
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Goodness me - have Andy and I really been posting on the forum for 5 years? Doesn't time fly!
Regards, Melanie Giles, Insolvency Practitioner
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jpj

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Post by jpj » Fri May 20, 2011 8:22 am
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Probably longer than that Melanie!! Its good to see how the site has evolved so much in that time (since I was in my IVA nappies! lol)
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Skippy

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Post by Skippy » Fri May 20, 2011 9:01 am
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Congratulations jpj nad enjoy your debt free future!

Mel, I know what you mean about time flying past - it's over 4 years since I went BR now, and nearly a year since my last IPA payment!
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Declan at DebtFreeDirect

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Post by Declan at DebtFreeDirect » Fri May 20, 2011 9:32 am
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Congratulations and best of luck for the future from me!
Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.
http://www.debtfreedirect.co.uk/iva/
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susieq73

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Post by susieq73 » Fri May 20, 2011 12:18 pm
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That's great news - I am only at the start but its so good to see people coming out the other side!
I hope the next 5 years fly past and I actually wish I'd approached and IVA sooner.
Good Luck for the future.
Susie
x

IVA Accepted 31st March 2011.
IVA Ends 31st March 2016.
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jpj

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Post by jpj » Sat May 21, 2011 10:09 am
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Thanks for your kind words

I would be interested to know what people generally do in the next few years after their IVA (not sure if theres actually data collected)
Do people slowly build up credit again, generally build up no credit, or gradually go back to the mad levels they had before??
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