Get expert opinion. This is the place for new questions to be posted.
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howard07
- Posts: 147
- Joined: Wed Feb 02, 2011 8:24 pm
- Location:
A few of you will remember me from a few months back. Sorry for the absence but things have been a bit hectic, and the computer caused problems. But alas I am back to offer support to those who helped me and the newcomers.
I completed the IVA in March, and oh how things move on at a pace. Now well and truly back in the groove. Looking back It was one the best 5 years of my life in a strange sort of way. I learn't a lot, and got sorted out. So if you are just starting out look at the positives, the time will pass quickly, you are on the way to better things, you have nothing to feel ashamed about we all make mistakes. 6 years ago i was £48000 in debt, doing a job i hated because it was well paid and i needed it to get through the IVA despite all health issues it carried. Today i have no debts except the mortgage, a newish (4 year old) car which is paid for with no credit, and a new job as a technical teacher in a local college. The salary is a bit less than i had, but there is not a lot of difference in the take home pay, and what difference there is has been more than compensated for because i have also stopped smoking. So when you get to the end of your IVA the future is bright, brighter than i can ever explain, you need to sample it for yourselves, and sample it you will.
If 6 years ago someone had have told me that i would be in the position that i am in now, i would have had them sectioned.
regards........Howard
IVA completed 15-3-2011
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4kidsnocash
- Posts: 531
- Joined: Tue Apr 26, 2011 7:12 pm
- Location: United Kingdom
Congratulations Howard, glad everything went well.
Alas, I am dying beyond my means.
Oscar Wilde
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kat68
- Posts: 707
- Joined: Sun Feb 20, 2011 4:06 pm
- Location: United Kingdom
Wow that's really inspirational.
So happy for you, sounds like your in a great place now. And long may it continue.
kat
IVA accepted 6th May 2011, Full and Final accepted 17th April 2012.
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Shining
- Posts: 27019
- Joined: Thu Sep 20, 2007 8:57 am
- Location:
A lovely post and I'm so glad it's all worked out well for you .
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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plasticdaft
Forum Expert
- Posts: 9562
- Joined: Wed May 21, 2008 12:45 pm
- Location: United Kingdom
happy post iva posts really do brighten up the day,and ensourage others to knuckle down and see it through.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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Julie
- Posts: 9503
- Joined: Thu Feb 14, 2008 10:56 pm
- Location: United Kingdom
A great post Howard, reading your experience will keep posters going through the journey.
Looking forward to more of your posts x
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footiemad
- Posts: 1889
- Joined: Mon Jun 13, 2011 9:33 am
- Location:
Thats a fantastic post Howard and makes me feel much more positive. So pleased everything has worked out well for you x
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KAYKAY
- Posts: 1222
- Joined: Wed Jun 15, 2011 8:33 pm
- Location:
What an inspiration to us all.... well done and what a great place to be.
IVA Completed August 2011
