I personally won't ever say never but hopefully I'll never be in the situation again that I was in pre-IVA, entering the IVA has taken the stress away from me and I'm much happier without credit I know that for sure.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I don't aim to be in the same position again, but I wouldn't say I will never have any more credit - I'd just be sensible with it.
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
