I don't want to gloat as I know so many are awaiting their Certificate of Due Completion but mine is here; I had a rubbish day yesterday and now this has certainly put things back on track.
My thanks firstly to this forum for being an absolute godsend to me. I've met friends on here that I will take through the rest of my life with me and you know who you all are.
With huge thanks to Melanie and her team for their never-ending support and expert advice through all stages. It certainly wasn't easy but it has been worth it.
Finally my youngest daughter (19) who is the only one who has known about the IVA all the way through. We chose to tell her as it would only affect her. She got a Saturday job and has been pretty much self-sufficient since 15...she's now in Uni and still working at a Sainsbury Local 12 hours a week as well as volunteering within the Prison/Probation Service 4 hours a week. She has no overdraft and doesn't want one...the IVA has not only rehabilitated my spending habits it's put her in good stead for her future so a double outcome.
Hang in there folks there is an end and when I first posted my forum name was isthereanend so now I can confirm yes there is!
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Great news Lesley[:D] and great to hear how your journey has given her valuable life skills - I`m sure something might rub off on our sons who are in their 20s
So pleased for you Lesley. I remember being jealous of your countdown marker when I first started out! Encouragement for everyone on the journey me thinks x
Aww Lesley, I have a tear in my eye, I am so so happy for you, you can now finally get on with your lives, when I first came on here almost 3 years ago now you were so supportive and helpful and really helped get me through some dark days, and continue to do so, you deserve every happiness moving forward xxxx
Huge congratulations Lesley ... and I would take most pride from the way you have inlcuded your daughter and taught her such a valuable lesson ... one I intend to pass on to my daughter when she's old enough to understand money. May your financial future remain sunny & bright xx
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr
IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
Fantastic news Lesley, well done and many congratulations on your now debt free life and what an achievement with your daughter who i'm sure will be very much appreciative of what she has learnt from you, good luck and best wishes, drinky poos tonight! xxxx
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
That was a fast completion. Well done! I'm guessing there will be some celebrating this coming weekend. My F&F was accepted on 26th Feb, I hope mine is as fast as yours ... we can but dream!
