After 6 years I've been told my completion certificate in the post to me! Hurray!!! so I enquired as to who informs the appropriate agencies they said it's the creditors themselves is that right? Thanks pepes

That's fantastic! Well done you! My last payment is at the end of the month and I can't wait!

Thanks for replies. I've done soft search and found I could have one with limit of £250 I think but don't want to actually apply if it will somehow endanger my chances of finalising and completing. My car needs new brake pads and new tyres

Ah thanks Foggy I understand now thank you

This is really great to hear! My iva was due to finish next June but think it'll be extended for another yr. I can't wait til it finishes! And I'll be straight on the phone to Ryan then with regards a mortgage!

No idea why question had me down as new user. So anyway if there is no 5k in the property will my iva just be automatically be extended to another year then? Thanks for yr help

bit concerned and need serious advice, my other half moved in with me this year but we've always kept our finances v seperate as he's self employed and works down in london anyway - he lives with me but actually lives down in london in the week working and oobviously i have my iva so finances v sepe...

Morning, I'm currently on an IVA, I'm getting there, and now beginning to think of the future, my IVA is currently for 5 yrs I believe, am I right in thinking that I'll need to leave it another year after my IVA completes and then hopefully I'll be able to get another new mortgage on another house h...

Wow!!! Well done you! this really does give me hope! I will have had my IVA for two years this April and 5yrs seems a long way away......... In that time my fixed rate on my current mortgage will end too so I'm just HOPING that the new variable rate I get will be much better than the current fixed r...

I've now done my first year on IVA, I know I'll get there but 5yrs at the mo seems a long time away....I'm in a little one bed shared-ownership house, so I have mortgage on 50% of the house and pay housing association rent for the other 50%, I know I cant move houses or remortgage for the next 5 yrs...

oh lesley sorry to hear. is it me or it the weather bringing us all down a bit? its the 2nd of august and its grey and raining - perhaps if it was sunny things would seem better for us all? lol.

Doubt I have any equity in the house and I'd need money to pay solicitors fees and things if I sold the house - which I haven't got - and I'd need deposit for rental place surely? - which I haven't got - and would I be able to rent - as they'd do credit checks and stuff wouldnt they?

thanks for reply Lesley, any thoughts are appreciated to be honest, and well done you - just 6 months to go eh! well done! you're an inspiration to pepes like me. Don't get me wrong, I'm so very thankful I managed to stay where I am and keep the roof (even if v v tiny) over my head but with two of u...

WOW!!!!!!!!!!!!! well done you! I've got 5 years to go yet :0( but just pleased I managed to keep a roof over my head. Feel so old though - I'm 36 and only just started my IVA so I have a long way to go and am in a very tiny roof at that :0( but this type of post keeps me inspired and know I've done...