That light at the end is getting brighter

Hello all,

I don't post on here very often, but do take on the knowledge of others who voice there advice regularly. This has been a great help over the last few years to the point now where we are into our last year of our IVA. Just received our last review and although the monthly payments have gone up, we are now in a much better position to afford them. It really is exciting to know that we have 11 payments left and will then be debt free. In a time where many people are struggling it is great to know there are many people in the same situation who will hopefully be somewhat comforted by all your help on this forum.

In the meantime we have set ourselves a goal of trying to save a little to hopefully pay a deposit for a long and well earned family holiday late next year. Here's hoping!!

Thank you all and when the time comes, i.e last payment looming I will probably thank you all again.
Debt free Nov 11 :j


  • Nargleblast
    Nargleblast Posts: 10,762 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    Lucky lucky you, to be so close to the end. I am 18 months into mine so have a way to go yet, but it will come!
    One life - your life - live it!
  • To_be_Free
    Looking forward to my last payment only another 44 to go.
    Free at last
  • trudij
    trudij Posts: 1,905 Forumite
    First Anniversary Combo Breaker
    Well done !! The 5 years doenst take long at all to go - promise !!
    Do not meddle in the affairs of dragons, for you are crunchy and taste good with ketchup
  • beattiedh

    Who did you use to do the IVA?

    We need to get one moving but are getting conflicting results about who are good.

  • Charco_2
    Charco_2 Posts: 1,677 Forumite
    Have a read on "iva . com" where people who have entered IVAs review the service provided.

    Look for a provider that doesn't charge up front fees.
    Would you ask the wolves to look after the sheep?
    CCCS funded by banks
  • iwannabefree
    Hi again,

    We used Blair Endersby. And as already stated, do your homework first. Now we too have heard bad stories about BE but tbh it's like everything in life, some people have a good experiences while others do not. Nothing is set in stone how each company will act, but as for us we don't really have anything bad to say about them.

    Yes at times we have had to speak to them, and sometimes lengthy conversations to resolve issues, but in the last six months or so they have had a change round of personnel, so there were bound to be a few issues. I think the last time I spoke to them I mentioned maybe they should put on the staff room notice board the words 'COMMUNICATION IS THE KEY'. Whether they listened or not is a different matter.

    As a last word do your research, ask and ask again for advice and I don't think you could go too wrong.

    Good luck:beer:
    Debt free Nov 11 :j
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