| Today I received my certificate of completion exactly 3 months from my full and final payment clearing.
All in all the whole process took just 6 moths The from first asking how to make a full and final offer to completion
It's been a long, stressful and difficult road... but it's FINALLY OVER.
I've learnt NEVER EVER to have another credit card and to manage better financially.
To all of you who are in the early days of an IVA... it seems bleak but there is a light at the end of the tunnel... and boy did it shine for me today... and the real sun has been shining all day too !!!