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Posted: Fri May 13, 2011 7:51 pm
by s_b
Today I finally received my Certificate of Completion from my IP, it's 6 months late but it's finally finished! To all of you still in an IVA, KEEP GOING! To all of you thinking about an IVA, think VERY VERY Carefully, before you commit to it!
To all the Experts on this Website, a heartfelt THANK YOU, for all your words of wisdom!
Posted: Fri May 13, 2011 7:53 pm
by Judo
Awww. Huge Congratulations to you s_b.
Best of luck for the future!
Posted: Fri May 13, 2011 7:54 pm
by kazzafunk
s_b - why would you say to think very carefully about it? Did you have a bad experience?
Posted: Fri May 13, 2011 8:05 pm
by plasticdaft
Even if an iva was completed without hiccups it should not be entered into lightly so the advice is sound. Well done on completing the iva. I really think medals should be awarded!!!
Paul
Posted: Fri May 13, 2011 8:07 pm
by s_b
kazzafunk wrote:
s_b - why would you say to think very carefully about it? Did you have a bad experience?
Hi Kazzafunk, If I had to do this again (God Forbid) Knowing what I do now, I'd go Bankrupt! 5 Years of struggling with the payments nearly pushed me over the edge! Failed Marriage, Lost the Home, Serious Heart Attack and Major Surgery! I know you can't plan for everything but people really need to understand how very difficult 5 Years of payments can actually be!
Posted: Fri May 13, 2011 8:11 pm
by Judo
All the more power to you for seeing it through! Can only imagine how it has been but at least it is now over and you answer to nobody! x
Posted: Fri May 13, 2011 8:15 pm
by kallis3
I can see why you feel the way you do and I do agree that it shouldn't be entered into lightly and you should research it thoroughly.
I hope everything works out for you now s_b - you've certainly suffered but you've come out the other side and can hold your head up high.
Posted: Fri May 13, 2011 8:38 pm
by kazzafunk
Well done for getting through it with all that to contend with as well!
Posted: Fri May 13, 2011 10:40 pm
by MrsKnight
Congratulations - I feel your relief & happiness! Best of luck to the future for your debt free life & health & happiness x
Posted: Sat May 14, 2011 2:23 am
by TheMatrix
Congratulations, it's a big relief getting hold of that certificate.
Posted: Sat May 14, 2011 12:30 pm
by Rosepetal
Great news! Mel's office have said we should have ours in the nxt 2-3 wks.
Posted: Sat May 14, 2011 9:43 pm
by MelanieGiles
I will make sure of that!
Posted: Sat May 14, 2011 10:31 pm
by Shining
Congratulations s_b x
Posted: Sun May 15, 2011 1:04 am
by darth-skint
Well done. I'm waiting for my cert!
Getting the F&F accepted was a great feeling but I will be celebrating the cert. Can't wait to get it. To get off the register too!!
IVAs are great I'd suggest them to anyone with debt beyond control. It's not the only way but paying 15p in the pound (what I paid) cannot be sniffed at
Posted: Sun May 15, 2011 5:28 pm
by Rosepetal
Mel thankyou! that would be brilliant! without your help we'd have been on the way to having the house reposed by now!
i know the F&F is done but getting this next type of letters has upset me. i haven't looked but we must be on the insolvency register now - i just want to get off asap - as we all do!
once again,thankyou x