Thanks Foggy. The advice on that link is that if any debts included within the IVA still show as defaults after the final settlement date then I should notify the crediting reference agencies. I see what you are saying about it bring irrelevant until the IVA drops off our credit files anyway after 6...

Hi! Myself and my OH did an interlocking, full and final settlement IVA which was completed 11/2011. (Received certificates etc). I have just checked our credit file on noodle and have noticed that some debts included within our IVA are marked as settled but half of them still show as defaulted up t...

Thanks guys :) I have told her pretty much the same and will forward the advice. Our interlocking IVA was through Melanie Giles who were excellent, so of course I have recommended them but have also sent her links to this forum and iva.com She is coming to see me tomorrow to sit and trawl over every...

Hi all My husband and I completed an F&F back in 2011 and have a friend that wants some advise so I thought I would turn to the good people on this forum as you always give the most honest and best advice on the subject! :) Basically my friend owes about £65k in debts. She owed about £40k to her par...

I just wanted to say, as many others have, you have made an excellent choice in contacting Melanie Giles and her team! They were excellent when we did our F&F settlement back in April 2011. They were supportive, helpful, reassuring and efficient. You will not be disappointed with their excellent and...

Well done! I am looking forward to the 21st April 2012 then..we can look back and know that a year ago things were so uncertain and were soon to become final! Congratulations Pandy

Thanks guys I have to say....this is a good, no fantastic feeling! Feels great to be on the 'other' side of it. Good luck to all of those still awaiting their dates or meetings. We can not thanks the JonesGiles team enough! Have a great Bank Holiday weekend x

Isn't it just! Thanks guys

Hi Vignal....just posted new thread...it has been accepted! Yay!!! http://iva.co.uk/forum/topic.asp?TOPIC_ID=36752

[:D] Just had our creditors meeting call and all have accepted our f&f settlement aside from two non-voters. The Australian credit card was one of those but they are as far as we can see they are still bound by the IVA. So that is excellent news! Thank you to all at the IVA Advice Bureau, particular...

I sent the standard letter just for peace of mind. As above it doesn't stop them from calling but at least I knew we had been reasonable and fair in letting them know our situation. We don't use our home phone anyway so we have unplugged it and have call filter applications on our mobile phones and ...

I am with Susan Clay/Melanie Giles and mine is exactly 16 days after they received the signed proposals back as Melanie says above. Very efficient IP's

Thanks Melanie. I figure that if it could be included under a bankruptcy, then the same in theory should apply to an IVA. Either way they will get more under the IVA terms than the 'zilch' they would get under a bankruptcy. Fingers crossed!

Fab news! It helps to have that date to focus on! Good luck

Good luck Kat....ours is tomorrow and it really has flown despite the inveitable worrying period in the run up to it. Hope everything goes to plan x