Well I can confirm YES there is an end. I am here at the finish line. My 60th payment has left my bank account and this is my 60th entry into my blog.
I joined the forum on the 20th September 2007 and have been a regular contributor to this since this time. I made my first blog entry on the 8th March 2008. What a journey it has been. I’m going to reflect for a moment on that journey!
It was during September 2007 that I had an operation on my eyes and was unable to work; this was a light bulb moment for me as while I sat at home I began calculating and thinking and the calculations did not add up. I chatted with husband and we made the decision to source some help. A lovely high pressure salesman came to the house to sell me an IVA…I declined. I knew I had not got into debt overnight so knew that I was not going to get out of debt overnight. I googled IVA forum and found iva.co.uk and have never looked back. I found not only the forum but also found Melanie Jones.
Reading all the positive comments on my blog has demonstrated to me that the writing of the blog is not only cathartic for me but helpful to others and the comments are very well received thank you to everyone who has left a comment and to others just for reading my waffle!
So much has happened during the writing of the blog, my daughter was 14 when the IVA was first taken out and she is 19 now and at university. I am in the last few months of completing a degree, hopefully finish in May and graduate in November.
How was life during the IVA, you want me to answer that honestly? Life within the IVA was tough, very tough at times. How did I manage it? I had the support of a good IP, an understanding IP and most of all a realistic and approachable IP. My advice, do you homework, talk to people get a recommendation and do not just catch that lifeline, another couple of weeks doing research will not harm and in the long run will ensure you have chosen the right company to represent you. I investigated my IVA in September 2007 and it was accepted February 8th 2008.
I have had several payment breaks; a new boiler, a new washing machine and sadly my brother passed away, he was only 45, I had the payment break to pay for the family flowers as I could not tell my family I was in an IVA. I did him proud with his favourite red and white of Manchester United. These payment breaks were repaid in full over the duration of the IVA, I paid a little extra each month chipping away at those arrears. The majority of my problems happened in the first two years. Dare I say for the last three years it got easier, how or why I do not know? Things calmed down in my life maybe, no dramas however…
It was never all bad for me, there were good times, during the duration of my IVA seven of my eight grandchildren were born, what joys they all are. I turned 50 and my 4 beautiful children clubbed together and sent me to Gran Canaria for my present, I will never forget that and when I got home they had also got me an iPad, luxury within an IVA.
My IVA journey is at an end but it is the beginning of my debt free journey. I feel a little apprehensive when I think of life without Melanie managing my money (that is how I used to describe it to youngest daughter).
I will blog again but not as regular, however, I will continue to read the blogs. I will continue to try and support people on and off the forum and will need the help of the forum when cleaning up my credit files as I am overwhelmed at the thought of doing that but that’s a while off yet. One step at a time let us get that certificate and off that pesky register in the first instance.
Whether you choose to share you IVA with anyone or not you will never be alone when you are a part of the forum so do keep posting and do keep blogging.