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Lisa Thomas

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Post by Lisa Thomas » Mon Jun 20, 2016 10:35 am
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Pester them!
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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Laura.Harrop

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Post by Laura.Harrop » Wed Jun 22, 2016 1:44 pm
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Hi sharky980,
Please drop me an email (address is in my profile), with all your contact details and I will get in touch to discuss your issue further.
Look forward to speaking to you soon.
Regards,
Laura
DFD Forum Expert
Debt Free Direct
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sharky980

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Post by sharky980 » Tue Aug 09, 2016 7:57 pm
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Hello everyone
Just wanted to post that today I received a letter from DFD with what I think is my completion certificate in.
I have acopy of the ip's closure report and that the insolvency service have advised my details can remain on the system for 3 months.
It also says "Enclosed is a certificate confirming that the IVA has been fully implemented and I know cease to act as the supervisor.

It goes on to say I complied fully with the terms of theand all obligations have been complied with within the IVA.
There is a letter saying notice of completion of IVA

So am I done is this it guys all finished???

Steve
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Shining

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Post by Shining » Tue Aug 09, 2016 8:24 pm
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This sounds like you are done...

Fab news.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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sharky980

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Post by sharky980 » Tue Aug 09, 2016 8:33 pm
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Right so it's not like an certificate you get?
Just a letter about the closure and a copy of the court letter?
Sorry just not sure the certificate should look like
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kallis3

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Post by kallis3 » Tue Aug 09, 2016 8:35 pm
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Hi - it is just a letter but it means the world!
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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sharky980

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Post by sharky980 » Tue Aug 09, 2016 8:46 pm
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Oh wow this is it then!!!
I feel like Mel Gibson in Braveheart FREEDOM!!!!.
I actually feel like crying I am that full of emotion.
Its been nearly 7 years since I started to getting this letter and 8 months since my last payment to finally getting my letter but now I feel light as air!!.
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Foggy

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Post by Foggy » Tue Aug 09, 2016 9:04 pm
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Congratulations -- you are now officially out the other end !
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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Lisa Thomas

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Post by Lisa Thomas » Wed Aug 10, 2016 9:17 am
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Great news - you have your CC. Best of luck for a debt free future.

Once you have come off the register (check here):

https://www.insolvencydirect.bis.gov.uk/eiir/

you can begin to tidy up your credit record.

You might find this quick video I made about cleaning up your credit record useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM

Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
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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sharky980

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Post by sharky980 » Wed Aug 10, 2016 3:43 pm
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Cheers folks!
Awesome help from all of you!.
I have checked with experian today for the first time and although my IVA is showing on there, my credit rating is 825 so not as bad as I thought I was expecting 0
There is not 1 single debt showing on there, I am thinking there is nothing on because my IVA was 7 years and we are close to 8 years now since I started off so maybe they have all gone from my file because it is over 6 years?
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kallis3

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Post by kallis3 » Wed Aug 10, 2016 3:54 pm
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Probably will be as it looks as though all defaults have been removed.
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 » Wed Aug 10, 2016 3:57 pm
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The defaults will have started dropping off at the 6th year mark -- the biggy -- the IVA will also now drop of very soon :-)
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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sharky980

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Post by sharky980 » Wed Aug 10, 2016 4:15 pm
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Wow so by the sounds of things I need not do a thing!.
In the next few months my file will be clean once the IVA has come off from the insolvency register etc
Not that I want credit it is just nice to see that everything is clean!.
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Lisa Thomas

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Post by Lisa Thomas » Wed Aug 10, 2016 4:32 pm
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Lovely to hear, now you can begin to rebuild your life without debt.
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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paulaj8824

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Post by paulaj8824 » Wed Aug 10, 2016 9:34 pm
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Should your iva not be off also. I thought this dropped off 6 years from start date.
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