Not at all, its over now, its just the process of finding the addresses thats annoying. Why isnt it automatic, and if not automatic why doesn't the IVA agent do it for you at the end? Its only been a few days since i got my CofC so i dont expect the records to be marked as settled quite yet, but i d...

I will assuming im even writing to the right people. Its not like i cant navigate the internet, but really, what a ridiculous process. Thanks for your help.

I have used that page, but its not exactly user friendly, and often returns dozens of results. I think i have the addresses now, but its pretty much a guess.

what a tricky process. It really needs to be made easier! It doesnt help when banks change ownership. Intelligent finance were halifax, but seem to be not halifax any more.

Yes i am ready to send copies of the CofC and a letter, but the addresses are proving an issue. Ive just phoned 2 of the companies and they were no help whatsoever. My creditors are Max recovery, Intelligent finance, First direct, Natwest/RBS and LLoyds TSB. Actually the Halifax one is showing as se...

I got a list that is the address of the insolvency teams or collections dept. Oh this is going to be SUCH a pain to sort out.

I have a list of the creditors and the addresses of the various collections dept. Is that the address I need?

It does seem like a pain to have to get the creditors to remove/correct the details. I would have thought that for the amount they charge the IVA agent should do it.. Anyway i guess ill just copy the certificate and run off a few letters to the various creditors, just in case. Is there any advise on...

Thanks. Really i forgot all about it after I gave them my new address in January. I guess I now need to just keep an eye on my credit file for the debts to show as paid.

A bit of a surprise in the post this morning. Finally my CofC has arrived! I really thought the last payment would be the best feeling of all, but i think this is better. Its really all over.

No more proving what I earn and spend (well except to the student loans company once a year lol) [:D]

I used Smile for my bank, a full current account (but not the enhanced Smilemore account). I was told by my IP it was fine as long as I didn't have an overdraft facility. I asked smile to remove it, which they did. Smile have been really positive towards my IVA and have offered to help rebuild my cr...

On my credit report it shows little or nothing has been paid to my creditors even though my last payment was made in November! The impression i got was that the IP only distributes the money at the end, but i guess it varies from IP to IP.

Does it HAVE to be a new one? Will your bank give you a loan? Mine will even though im just out of an IVA because i have good history with them and no debts were with them when i started my IVA.

I have told them about the IVA and have got a letter explaining that its finished and that i met all terms. No way i can pay 6 months upfront or double deposit. Im not renting alone, im moving with my best friend who is squeaky clean on the credit front, so hopefully that will help.

Im about to move and although my IVA is currently going through the final stages and im waiting for the certificate of completion im concerned about the credit check done by a letting agent. What are they looking for? I told them about the IVA and they said it shouldn't be a problem and at worst a g...