I should be receiving my certificate of completion for my IVA in the next few weeks. Have been looking at a contract mobile and wondered if they are likely to accept me. Defaults won't be removed until April next year so they would show on any credit check. I think I already know the answer but have been disputing it with my husband. Thank you in advance for any replies.
If you've already got a contract, then you will be able to renew with the same company. If not, you may find it difficult, but you can always ask.
Make sure that you have checked your credit rating now you have completed and get any defaults registered after the date of your IVA removed by the creditors.
If you can hang on unil next April, you should be able to get one no problem then.
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
Never had a contract so it would be new. Think I will wait until April, better that than be refused. Thank you for the advice about defaults, will get onto that.
You'll need to contact all three agencies - Equifax, Experian and Call Credit and get a copy of your records to see what they have recorded against you.
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
Great, thank you. Still doesn't seem real that we've done it and the IVA is over. I wish I had found this site sooner, you are all so lovely and helpful.
Well done you on IVA completion must be a wonderful feeling and one I would like to share in a few years time, hope your debt free future brings you what you wish for x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
well done on completion! only 48 months left for me! i changed networks whilst on an iva and o2 wouldnt accept me due to my credit rating but T-Mobile did and i havent had any problems with them (£20.00pm - 600mins + unlimited texts) just a thought.......
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
If you are changing providers, I don't think applying online will make any difference as they will still credit check.
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
Hi gotsofar and welcome, many congratulations on arriving at what must be a turning point in your life and a great sense of achievement. Good luck for the future and i'm sure you will be able to get sorted out with a mobile soon.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
