I really don't know what is going on in my head at the moment. The nearer my IVA comes to completion (2 weeks & 3 days to final payment) the more worried I am becoming. Why do I think something is going to go wrong? I just seem to think that this is too good to be true, and whilst I am really looking forward to this, I just fear something will go wrong. We had a variation last year where the arrangment was extended for 12 months in lieu of equity (unable to re-mortgage) and the property was removed from the arrangement. I know we have done everything right (or so I believe), so why do I feel so apprehensive?
I imagine it must be terrible waiting for the day to arrive. Try and stay positive though; if you think you have done everything right the chances are that you have, and the 5th of July really will be the payment that means you are debt free.
At first you draft to live
But given time
You live to draft
KAYKAY - don't worry! I am sure that everything will go smoothly and come 5th July you will be debt free and waiting for that completion letter.
Get a bottle of cheap cava in to celebrate!!
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
The issue is a phsycological one. You have spent the last six years worrying about your finances to ensure that the IVA has kept on track, that subconciously you are worrying about not having anything to worry about.
I often see it in clients when their IVAs have been accepted - things can then seem such an anti-climaax, and it used to happen to me after I had finished the various stages of professional exams - you worry before them and you worry after them as you feel guilty that you are not stressing yourself by studying. I think an IVA is the same, and the likelihood of anything bad happening at this stage must be very remote.
Let us know when you get your Certificate of Due Completion, and we will all raise a glass of virtual fizz for you.
I'm sure everything is fine. I can imagine how you are feeling...that it's too good to be true and something must be about to come along to ruin it. But it's just the uncertainty and nerves getting to you. Congratulations...you're there xx
