I have recently had my F&F offer accepted, 2 years into my IVA(A big thank you to Melonie and her team for being so understanding during those hard 2 years)) and have received my completion certificate but am unsure what to do next.
1.
Do I contact my creditors and ask them to update their records to show that my debt with them has been settled.
2.
Where a debt was sold on do I contact the new owner or the original creditor
2.
Do I contact credit agencies so that they can update my records.
Your IVA will remain on your credit file for 6 years from acceptance regardless if it's been completed is how I seem to think it works. Wait around for clarification on this though as I would hate to be telling you wrong.
Well done on the F&F x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Send a copy for your completion certificate to the credit reference agencies and they should mark the defaults as settled or satisfied. If any defaults were registered after the date the IVA started then you will will need to contact the creditors.
Any defaults will fall off your credit file 6 years after the day they were registered on there.
