looking for a re-mortgage for us, we completed an iva in january 2007 after just 12 months but i dont want to g oto different lenders who will then register a search against us only to be told no they cant give us one- - i currently bank with abbey national.

we paid our iva off in dec 06 with a lump sum , our iva was 12months in. we still havent received a completion certificate and we have received a statement from one of our creditors showing the chq payment to them from our ip but with a balance still showing, do we still owe that??