I made my last IVA payment 6 weeks ago (sept 30th), 2 weeks after that I contacted my relationship manager to ask what the next steps were as I had not heard anything from them. I was told my file has been passed for completion.
I know the process can take up to 6 months, but should I expect to hear anything from my IVA company in the mean time or will the next contact I'll get be my certificate in the post?
I feel a bit in limbo, having made my final payment, but not having my certificate yet!!
I heard nothing during the 6 months or so from finish to completion unless I emailed and asked -- then, to be fair they gave me chapter and verse as to what was happening.
Personally I feel it's good to keep in touch as you will get to hear if there are any problems sooner and might be able to help sort them out.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I have emailed Cleardebt today. Our final payment of overtime and pay rise money was made on 27th October and I wondered what was to happen. Hubby's completion documents are coming out to him and mine are being checked then will come out. I don't like not knowing what's going on so I am very grateful for their patience with my questions!
Here's hoping we have an officially debt free Christmas.
I'm in the same boat, feels odd and can't really celebrate yet. Finished mine on Oct 13th, no idea when to expect completion as there is the dreaded PPi to investigate. Hoping that can be sorted later if I sign something.
IVA Accepted - Sep 2009
F&F Accepted - Oct 2014
CC Received - Jul 2015
A bit curious, why Is the PPI done after the last payment is made . Should it not be done during the 1st few years of the IVA to stop all this grieve at the end of the process. Before I entered into my IVA I personally exhausted the PPI avenue with no results, and my IP even asked the question. Does it mean I have to satisfy my IP again at the end of the term and go through the process again
Our ppi was sorted before our final payment. We didn't have any but it still took 18 months!
SUC, your IP may still have to check as previously declined claims have now been paid. Ask whoever you are with as getting it done sooner rather than later is best.
As far as I'm aware all reviews are up to date and no further monies are due, all ppi has been investigated and their is no equity in my property. Spoke to somebody at Freeman Jones today and all they said was it can take upto 12 weeks for my case to be reviewed and unless there is a problem we won't hear anything from them during the process!!
It's so frustrating - it's like I can see the finish line, but can't get passed it!!!
Well done relieved33 - I hope my certificate is here soon!!!
Thank you Sarah - I do hope it is sooner than the estimated 12 weeks! It would be lovely to officially have a debt free Christmas and would be a wonderful start to 2015 knowing everything was complete and we can start our debt free life!!
Here's hoping x
Hi Gemma. Freeman Jones are actually one of the faster firms in getting things tied up and an early completion. Many take the full 6 months allocated, with a few going well beyond that.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
