www.iva.co.uk

Hi Folks

I havent posted on here for quite a few months now, but finally found out today that after 5 years my IVA is finally over, and concluded!![:D]

It has been a long road, with a few twists and turns on the way but I finally got there!!!

I would like to say many thanks to Melanie Giles, and Andy Davie especially, who gave me so much good advice and help when I started on my journey 5 years ago!

My life has improved a lot over the last 5 years, I have clawed my way back from an impossible situation where I had debts of over £100k and the future looked bleak. I firmly believe we go through good and bad patches in our lives.

I have learned to respect money a lot more now, and in future I dont plan to have any credit cards, or cars on the never never....

I wish you all the best of luck with your debt repayment plans [:)]

Excellent news jpj - congratulations on finishing.

Hope everything works out ok in the future.

Thanks Jan

Well your well over the half way mark too, and im sure the second half of my 5yrs went faster!!!

Great to see you still offering so much support to everyone! )

I think I'll have to do the extra 12 months though which is a pain but better than a remortgage!

Thank you for your kind words.

Keep posting - I am sure that you will still have something to offer to posters on here.

Congratulations!!!! I love reading posts of getting to the end, makes me work harder & feel more positive that it will soon be over! X

Thanks Lyns

I wont miss my yearly reviews thats for sure!! I would like to think my IVA has made me a better person in some respects...more grounded anyway! ;o)

Jan
I had mumblings of a 6th year at one point.... I walked round with a face like thunder the week i was threatened with it!

I know I'll do the sixth year but I'm resigned to it!

So glad you have finished - I love it when a plan comes together!

What a positive post jpj, I am sure it will give encouragement to others on the journey. May your future now be bright..

Goodness me - have Andy and I really been posting on the forum for 5 years? Doesn't time fly!

Probably longer than that Melanie!! Its good to see how the site has evolved so much in that time (since I was in my IVA nappies! lol)

Congratulations jpj nad enjoy your debt free future!

Mel, I know what you mean about time flying past - it's over 4 years since I went BR now, and nearly a year since my last IPA payment!

Congratulations and best of luck for the future from me!

That's great news - I am only at the start but its so good to see people coming out the other side!
I hope the next 5 years fly past and I actually wish I'd approached and IVA sooner.
Good Luck for the future.

Thanks for your kind words

I would be interested to know what people generally do in the next few years after their IVA (not sure if theres actually data collected)
Do people slowly build up credit again, generally build up no credit, or gradually go back to the mad levels they had before??