hi i have just payed the final payment of my iva

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densbar

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Post by densbar » Fri Apr 08, 2011 2:49 pm
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hi
i have just payed the final payment of my iva yesterday 7th april 2011,i have payed 72 payments in all with the 12 month extension.

i am so pleased that i have completed and cant wait for my certificate to say so can anyone please let me know what happens now.

thanks for all the help over the past months. densbar
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ginger3232

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Post by ginger3232 » Fri Apr 08, 2011 2:54 pm
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Well done - hope your certificate doesnt take to long! Once your IP checks there has been no other windfalls/extra monies etc. he will finalise the arrangement, give the money to the creditors and notify the IVA register, issue the certificate - so can take a few months to do ! Once this is done - IVA closed/finished !!
Last edited by ginger3232 on Fri Apr 08, 2011 2:56 pm, edited 1 time in total.
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nepensioner

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Post by nepensioner » Fri Apr 08, 2011 3:00 pm
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Soooo pleased for you Denis. Breath a great big sigh of relief[:)]
F & F Accepted 19th Oct 2010
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MRBLUESKY

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Post by MRBLUESKY » Fri Apr 08, 2011 3:02 pm
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congratulations denis and very well done.
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Shining

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Post by Shining » Fri Apr 08, 2011 3:06 pm
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That is fabulous, the end of a journey, the certificate will arrive in due course. Well done x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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kallis3

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Post by kallis3 » Fri Apr 08, 2011 3:10 pm
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Brilliant news Denis - congratulations.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Foggy

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Post by Foggy » Fri Apr 08, 2011 3:23 pm
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That's great to hear Dennis -- Congratulations !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Judo

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Post by Judo » Fri Apr 08, 2011 3:32 pm
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Yay! congratulations denis :)
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susieq73

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Post by susieq73 » Fri Apr 08, 2011 4:06 pm
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Congratulations - nice to see people coming out the other side :)
Susie
x

IVA Accepted 31st March 2011.
IVA Ends 31st March 2016.
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luluj

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Post by luluj » Fri Apr 08, 2011 6:12 pm
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Denis - congratulations. Now wait until your certificate of completion arrives and then write to all your creditors and the three main credit reference agencies with a copy of your certificate asking them to note your records as satisfied and nilling the balances they are currently showing. The defaults will remain on your records for 6 years from the date your IVA started - so in your case they should actually disappear almost straight away !

Enjoy your debt free life !
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"
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Julie

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Post by Julie » Fri Apr 08, 2011 6:46 pm
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Congratulations denis.dr and thank you for posting the good news. The forum is such a help to those who are at the beginning of journeys, to hear of someone who has completed is such a boost!

How have you found life in an IVA?
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TheMatrix

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Post by TheMatrix » Fri Apr 08, 2011 6:55 pm
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Congratulations from me too, if you've paid for 72 installments your credit file should now be clear, if not get the creditors to delete them as you should have a clear credit file now.

The IP will issue a final dividend and report and once the payments have gone through they should close down the account and issue a certificate and write to the insolvency service to remove you from their online database.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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densbar

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Post by densbar » Sat Apr 09, 2011 3:07 am
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hi julie
i found the iva very hard going at times but i just kept going to work and paying the payments,thanks for the advice[:)]
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kallis3

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Post by kallis3 » Sat Apr 09, 2011 7:51 am
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The main thing is that you got there in the end and you should be very proud!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Afcrich

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Post by Afcrich » Sat May 07, 2011 3:42 pm
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Hi all,

I too have just made my final IVA payment at long last. A few bumps along the way [B)] but a great relief now the end of the tunnel has been reached [:D] Hope it doesn't take as long to receive my completion certificate.

Good luck to all those who have just started the journey.
Stay Free! But more importantly stay Debt Free.
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