Hi,could anyone help me, I completed my IVA in July 2011 12 months early. My six years from the start is up this month, what I need to know is do all debts associated with the IVA drop off my credit file automatically or do I have to inform the credit reference agencies myself. Also I informed the a...

I completed my IVA in Sept 2011 and have my C of C. My question is would I be accepted for a vanquis card even though my five years in not up until April this year and the six years until the IVA drops off my credit file next year 2013. I dont want to apply and make a fool of my self.The reason for ...

Hi can anyone help, I completed my IVA around 8 months ago but I am still getting annual statements from my debtors saying I have not made the minimum payments.Any advice would be appreciated

I got my Certificate of Completion within 7 days of my offer being accepted. I was with RE10 and I cannot recommend them highly enough they were fantastic. I have also been removed from the insolvency register.

Can anyone help me, when the IVA is complete and a C of C has been received is the restriction on selling your house automatically removed or is there something I need to do

Yes after reading some of the posts on here I was expecting it to be at least a couple of months-- but no seven days is all it took, I can't believe it!

Full and final accepted last week got certificate of completion today just seven days, FANTASTIC!!!!!!

Am I correct in assuming this has opened up a whole can of worms, I really am now concerned. I am surprised that high profile creditors have not made claims and according to my annual report have not been paid any dividend when the others have. Why would any creditor not make a claim when the IVA st...

After the first couple of replies I was feeling quite relieved, but having received a few more I am now quite concerned. the creditors concerned are high profile who I would have thought would definately be trying to recoup some of their money, can I be certain that on conclusion of the IVA they wil...

Could anybody help me, I am four years into my IVA I have noticed on my annual report that three of my creditors have not been paid any dividends, I understand that they never made any claim at the outset but I still receive annual statements from one of them telling me how much I owe. My concern is...

Can anyone tell me how long it normally takes to call a meeting to discuss a full and final offer.

I was asked to pay the money in and then a meeting would be arranged

I have paid the monies into the account for a f & f a few weeks ago but as yet I have heard nothing is it usal to receive an acknowledgment. I wrot to tell them I had transferred the funds

I assume you mean the IVA proposal? So what if the pension is neither
specifically include or excluded, and are pensions not ringfenced and therefore protected?

The dictionery definition of a windfall is monies which are not expected, as a pension would be expected why should it be treated as a windfall. Also why does it have to be specifically excluded why should it not be specifically included