www.iva.co.uk

6.5 years after I first made contact with stepchange and its all over. I have my completion certificate, defaults and CCJ have gone from the 3 credit reference agencies and Im squeeky clean again.

What a relief.

For anyone starting out on the journey - it is all worth it in the end.

That's fabulous news Adam - so glad it has worked out for you. A great early Christmas present as well.

Good luck for the future.

Definitely worth it in the end --- looking forward 5 or 6 years can seem quite daunting. But, looking back, it's not so long in the grand scheme of things. Harry and Megan married 5 years ago -- seems like yesterday !