Long time no post...... Hello to those who remember me (of course I have kept in touch with some of you on FB).
Well, I am two payments from the end, and as the title says, the final payment will go out 6 weeks today - on 1st April [:D] I seem to remember a clutch of us around the same time, so hopefully yours have gone smoothly too.
I can't really complain with the way mine has gone, what with DMP, IVA payments less the fees and PPI refunds (thankfully that was sorted about 18 months after my IVA began), I will have paid back about 80% of my original debt. So I think I've done all right. Having said all that, mine wasn't really going to be too complicated as I don't really have any assets. ie not a homeowner etc.
I did have a hiccup this time 3 years ago, when the powers that be at work head office decided one of our sister companies was to move in with us, and of course the admin department was the last to be decided upon, so I had 3 months of not knowing if I definitely had a job or not.
I've managed modest holidays - especially to Blackpool! - and also managed to change cars - my dad bought a new one and gifted me the old one (a 61 plate Renault Clio) - I got the necessary approval from my IP etc and paid the proceeds of the sale of my old one across.
As regards final review paperwork, I was asked to provide all of 2015's payslips, where I have usually had to provide 3 months' payslips/bank statements, and I got a letter today saying I don't owe anything extra. So I will phone them to clarify whether or not I have to do anything more, apart from these two monthly payments, and that I can close the standing order after payment no. 60.
I do feel rehabilitated financially, as what with the DMP I have not had a credit card since December 2008. Although sometime in the future I am wondering about getting one and paying for petrol with it, having kept a petrol allowance aside for this long, I still intend to keep to allowances etc. once I've finished.
Well, seems to have turned into a long post, but I thought after having lurked for a few weeks, I thought I'd stick my head around the door again.
Final payment 1st April 2016.
Completion Certificate received 19th May 2016.
