Get expert opinion. This is the place for new questions to be posted.
			
	
		
		
			
				
					
										
					villapb 					
					
															
										
																				 
				Posts:  111  				Joined:  Wed Nov 06, 2013 1:15 pm 				
				
																			Location:    
													
																 
				
					
															
					
					
					Completion Certificate finally arrived this morning seven years from first visit to IP....OMG WHAT A RELIEF
					
					
															
															
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					Foggy 					
					
															
										
																				 
				Posts:  33395  				Joined:  Fri Dec 17, 2010 11:14 am 				
				
																			Location:  United Kingdom 
																						
													
					
						Contact 
						
					
					 
												 
				
					
															
					
					
					Congratulations villapb -- officially debt free at last 
 
Onward and upward .......
 
					
					
															
															My opinions are merely that .. opinions based on experience. Always seek professional advice. 
IVA Completed  23rd July 2013 .... C.C. 10th January 2014
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					linrog 					
					
															
										
																				 
				Posts:  305  				Joined:  Sat Oct 04, 2014 7:16 pm 				
				
																			Location:  United Kingdom 
													
																 
				
					
															
					
					
					well done xx
					
					
															
															full final paid over 29/2/16 cc arrived 12/4/16 its all over
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					Michael Peoples 					
					
															
										
										Industry Expert										 
				Posts:  15189  				Joined:  Mon Nov 03, 2008 12:36 pm 				
				
																			Location:    
																						
													
					
						Contact 
						
					
					 
												 
				
					
															
					
					
					Congratulations from me too and hopefully now no one will ever know you had debt problems.
					
					
															
															
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					villapb 					
					
															
										
																				 
				Posts:  111  				Joined:  Wed Nov 06, 2013 1:15 pm 				
				
																			Location:    
													
																 
				
					
															
					
					
					Thanks guys ....funny feeling tbh so used to life in iva....lesson learned.
					
					
															
															
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					Shining 					
					
															
										
																				 
				Posts:  27019  				Joined:  Thu Sep 20, 2007 8:57 am 				
				
																			Location:    
													
																 
				
					
															
					
					
					so pleased for you, lovely christmas present and a great start to the new year.
					
					
															
															IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					ivamess 					
					
															
										
																				 
				Posts:  253  				Joined:  Wed Feb 05, 2014 2:02 pm 				
				
																			Location:    
													
																 
				
					
															
					
					
					That is brilliant news and at the right time of year too! Cannot wait until it is my turn 
 but still got over 4 years. These threads help people like me to realise that there IS light at the end of the tunnel, so thank you very much for sharing.
 
					
					
															
															
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					luluj 					
					
															
										
										Forum Expert										 
				Posts:  11333  				Joined:  Sun Dec 09, 2007 6:54 am 				
				
																			Location:  United Kingdom 
													
																 
				
					
															
					
					
					Great xmas present !!
					
					
															
															Sharing from experiences of dealing with debt 
 
There is a solution for everyone .... Just need to stay positive ! 
 
Look at my blog "All I wanted was a baby"
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					Adam Davies 					
					
															
										
																				 
				Posts:  14596  				Joined:  Thu Mar 29, 2007 12:21 pm 				
				
																			Location:    
													
																 
				
					
															
					
					
					Hi 
 
 Well done 
 
 Getting through an IVA is not easy 
 
 Good luck for the future and please keep posting, your experience will help many 
 
                   Regards
					
					
															
															Andam Davies
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					seagulls 					
					
															
										
																				 
				Posts:  318  				Joined:  Thu Jun 07, 2012 8:28 pm 				
				
																			Location:  United Kingdom 
													
																 
				
					
															
					
					
					Congratulations ! Great timing for a stress free Christmas with hopefully just a little more cash to splash ! 
As you say the new habits learnt will be with you now ..we are all so much wiser now !
					
					
															
															
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					Goosed 					
					
															
										
																				 
				Posts:  953  				Joined:  Tue Jan 19, 2010 8:40 am 				
				
																			Location:    
													
																 
				
					
															
					
					
					Well done villapb, 
 
Enjoy your Christmas and debt free future.
					
					
															
															"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea". 
 
Eric Cantona
										 
				 
			 
		 
				
			 
				
	
		
		
			
				
					
										
					welshwiz 					
					
															
										
																				 
				Posts:  531  				Joined:  Sat Dec 29, 2012 4:13 pm 				
				
																			Location:    
													
																 
				
					
															
					
					
					Well done 7 years must have seemed like a lifetime but what a great Xmas present.