Completion Certificate Recieved!

Get expert opinion. This is the place for new questions to be posted.
25 posts Page 1 of 2
Post Reply
 
 

MrsR

User avatar
Posts: 1201
Joined: Mon Oct 31, 2011 9:30 pm
Location: United Kingdom
Post by MrsR » Thu Apr 30, 2015 4:41 pm
Quote
Hi All,

Got home from work at 3:30pm to be met by my husband at the door holding a white envelope from Creditfix in his hand.

Our 'certificate' of completion has arrived!

Instructions enclosed regarding contacting creditor rating agencies, along with proof of funds paid- 32.77p in the £ paid back overall, were also included, but no other paperwork surrounding PPI .. yet!

Thank you Creditfix for the quick processing.

I really do want to again say a huge thank you to all who contribute to this forum.
I know its been said a lot of times before by lots of other people, but we genuinely would have been clueless on a lot of things surrounding our IVA if it was not for you all.

I will still be on here contributing where I can, as I found that the support has been invaluable- especially from those who have been through the roller coaster journey of an IVA or Bankruptcy.

To those of you embarking on the journey- hang in there !!

Thank you all.. You are amazing [:)][;)]
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!

Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA :)

Completion Certificate received- 30th April 2015!!
Top
 
 

Spencer.Last

User avatar
Posts: 32
Joined: Wed Apr 15, 2015 10:28 am
Location: United Kingdom
Post by Spencer.Last » Thu Apr 30, 2015 4:50 pm
Quote
Congratulations on completing your IVA MrsR I hope you and your husband enjoy your debt free future!
Spencer Last
Freeman Jones
Top
 
 

MrsR

User avatar
Posts: 1201
Joined: Mon Oct 31, 2011 9:30 pm
Location: United Kingdom
Post by MrsR » Thu Apr 30, 2015 4:51 pm
Quote
Thank you Spencer !!
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!

Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA :)

Completion Certificate received- 30th April 2015!!
Top
 
 

recovering

User avatar
Posts: 1623
Joined: Mon Sep 26, 2011 8:27 pm
Location: United Kingdom
Post by recovering » Thu Apr 30, 2015 4:57 pm
Quote
Really happy for you!
Top
 
 

vlc1507

User avatar
Posts: 162
Joined: Tue Feb 18, 2014 10:33 am
Location:
Post by vlc1507 » Thu Apr 30, 2015 5:17 pm
Quote
Congratulations MrsR I only hope we do not have to wait forever for our certificate (we are Gt).
Enjoy your debt free future am surely looking forward to mine.
Top
 
 

Foggy

User avatar
Posts: 33396
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom
Post by Foggy » Thu Apr 30, 2015 5:26 pm
Quote
Excellent news Mrs R ..... as they say ....

Onward and upward :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Top
 
 

MerlinL14

User avatar
Posts: 1626
Joined: Sun Oct 30, 2011 2:44 pm
Location:
Post by MerlinL14 » Thu Apr 30, 2015 7:41 pm
Quote
Congrats MrsR.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
Top
 
 

MrsR

User avatar
Posts: 1201
Joined: Mon Oct 31, 2011 9:30 pm
Location: United Kingdom
Post by MrsR » Thu Apr 30, 2015 9:08 pm
Quote
Thank you again all !!

Quick question, if anyone can help !

Do we have to order our credit reports first before we send in our reports/CC to each of them ? And also, do we send the report/CC to each of the creditors who got the dividend ?
M
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!

Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA :)

Completion Certificate received- 30th April 2015!!
Top
 
 

Foggy

User avatar
Posts: 33396
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom
Post by Foggy » Thu Apr 30, 2015 9:35 pm
Quote
Your IP will inform the Insolvency Service who, in turn, will inform the CRA's. They will also inform the creditors along with their final report.

Good info here:

http://pjgrecovery.com/clean-up-credit-rating.asp
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Top
 
 

MrsR

User avatar
Posts: 1201
Joined: Mon Oct 31, 2011 9:30 pm
Location: United Kingdom
Post by MrsR » Thu Apr 30, 2015 11:17 pm
Quote
Thank you Foggy- you are a fountain of all knowledge :)
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!

Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA :)

Completion Certificate received- 30th April 2015!!
Top
 
 

luluj

User avatar
Forum Expert
Posts: 11333
Joined: Sun Dec 09, 2007 6:54 am
Location: United Kingdom
Post by luluj » Fri May 01, 2015 5:07 am
Quote
Well done MrsR ... truky deserved x
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
Top
 
 

Shining

User avatar
Posts: 27019
Joined: Thu Sep 20, 2007 8:57 am
Location:
Post by Shining » Fri May 01, 2015 7:56 am
Quote
Fabulous news a lovely homecoming and now you're debt free! Well done
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Top
 
 

country girl

User avatar
Posts: 868
Joined: Fri Jul 10, 2009 8:49 am
Location: United Kingdom
Post by country girl » Fri May 01, 2015 9:03 am
Quote
Congratulations and good luck
Top
 
 

footiemad

User avatar
Posts: 1889
Joined: Mon Jun 13, 2011 9:33 am
Location:
Post by footiemad » Fri May 01, 2015 11:27 am
Quote
Vwry happy for you. Now you can enjoy life to the full! Xx
Top
 
 

cypher

User avatar
Posts: 8
Joined: Fri Feb 11, 2011 8:08 pm
Location: United Kingdom
Post by cypher » Fri May 01, 2015 3:59 pm
Quote
Congratulations MrsR, I am very pleased for you.All the best for the future to you and your family.x[:D]
Top
Post Reply
25 posts Page 1 of 2
Return to “Ask IVA Forum and Industry experts”