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Ronnie.31

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Post by Ronnie.31 » Sat Mar 19, 2016 10:55 pm
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The full and final settlement was made and exempted in January . could someone out there please inform me if I'm now clear to move on with my life no matter what happens? ?
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Shining

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Post by Shining » Sun Mar 20, 2016 7:14 am
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Hi, do you have your completion certificate?
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Ronnie.31

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Post by Ronnie.31 » Sun Mar 20, 2016 8:25 am
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font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by lesley_

Hi, do you have your completion certificate?


Hi no iv been waiting for months now and all they keep telling me is 2 weeks !!
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Shining

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Post by Shining » Sun Mar 20, 2016 8:42 am
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Once you receive that all important completion certificate, is when you're officially debt free.

Sometimes, it's he who shouts loudest to get their certificate and all companies vary and some considerably in their time span of issuing of completion certificates.

Hopefully you'll receive it soon and be able to move forward.

You probably know but your credit rating will be poor until 6 years past the IVA acceptance date.
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 » Sun Mar 20, 2016 8:58 am
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You should hopefully get it soon but, as Lesley says, your credit rating will be shot. Once you get that though, your name will disappear from the Insolvency Register within three months and the IVA will no longer show on your credit records.

Make sure you check to make sure that no companies defaulted you after the date of the start of the IVA. Check all three agencies, Equifax, Experian and Call Credit.
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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Lisa Thomas

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Post by Lisa Thomas » Mon Mar 21, 2016 11:16 am
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I've answered on separate post.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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