www.iva.co.uk

Well I've just made paymeny number 57, 3 to go and I'm debt free [:D][:D][:D][:D]

I can't believe this is my last Xmas in an IVA, it's been hard going but at last I can see light at the end of the tunnel, last payment March, after that I can start some serious saving [^][^][^]

I don't think I could have got this far without the support of this forum, also a big thank you to Grant Thornton who have been absolutely marvellous.

Happy Xmas everyone and thank you [:)][:)]

Lucky you northumbrian. Glad you've made it to the end.

I was thinking yesterday while wrapping what gifts we had bought that next year would be totally different...and then I thought nope it flippin wont thats what got us into trouble in the 1st place!!!

Paul(scrooge)

Fantastic, I bet that feels amazing! This is our first Christmas in an IVA but have been struggling for so long we actually feel better of this year!!

It must be a great felling knowing its your last Christmas in a iva.
this will be my frist and im felling great.

This is my fourth and must admit it is beginning to drag now.

This is my first although it feels like the second really as we were going through the process this time last year and couldn't use credit to fund xmas anyway!, I can imagine it's dragging for you Jan, I can't begin to imagine how I'm going to feel in another 3 years

I'd like to think that next year would be the last one but as we'll have to do the extra 12 months there will probably be one after that as well.

Northumbrian, im in the same position a bit closer as im 15 days ahead my payments come out on the 1st, on christmas eve i will have the money for the next payment, its so close i can feel it now!

I think friends and family have got used to a box of biscuits or sweets at chrimbo so wont be changing next year, means i can spend more money on me, lol!!

Almost there for a few of you now. Hopefully this time next year I'll be saying the same. x

Evening All.
Haven't posted in a while, but have been lurking.
Jan's post struck a chord though.
We should be on the homeward stretch now, but had the extra 12 payments added in lieu of equity.
the time is really dragging now, and we still have 17 payments left.
It's like wishing your life away, but i wish we were free of it now.
c'est la iva.

Lovely to see you OT, hope you're keeping well?

Yes thanks Lesley, all is well at chez torch.

OT - how nice to see you again.

You'll be there before me!!!!

Mine too Northumbrian, i can't wait but it will come soon enough for all of us i'm sure, not so sure good idea for a ticker as it doesn't seem to be going down quickly, hey ho, my partner has just booked a summer holiday for us and his two children in July when i make my very last payment and then the following two months will be a reduced amount to make up a short fall, oh what a holiday that is going to be.