Hi. Haven't been on for a while but could do with some advice..completed our iva in March 2017. No problems was quite a smooth journey. We have been on an interest only mortgage for the past 11 years which is due to finish in January 2020. So we have approached the mortgage company asking to extend ...

I completed with credit fix in March & wasn't asked for anything. We had done an extra 6 months due to a payment break in 2013. Completion certificate came 2 weeks after final payment so closures can run smoothly. Hope yours does for you.

I took out a loan for 7, 000 from Sainsbury bank & only paid one months payment & then applied for my iva. Mine was accepted. Hope this helps you a bit.

Hi moira. Thanks for your reply. I won't ever get in the mess I was in again. It's like being given a second chance with life & nothing will take me back to my debt ridden life. I still budget now ha ha. After 6 years it's a hard habit to break. I still like looking on here & see how people are gett...

Hi moira. Glad you have settled into your iva. Budgeting is what its all about but well worth it.... no more sleepless nights. It's 6 months since ours completed & I got our credit reports on Tues...... not a single default or anything on there about my iva or any previous debts. I never though I wo...

Thanks kallis. I don't really need one to be honest. But you never know in the future.... maybe? I got used to life without one. & i also upgraded my phone while in the iva. Daft question but how do you do a soft search?

Hi Merlin. I was just curious what mine would be. I have requested my credit report, just want to see if anything is on there really. I pay my mobile phone monthly & that's all except for my utility bills. Hubby has a credit card which is paid off in full every month. No way will I get into debt aga...

Thanks foggy for your reply. Will be interesting to see my credit reports.... a bit of a dreaded feeling though.!!!

I completed my Iva in March, received completion cert. My 6 years was up on 30th aug. I have checked my credit score & its saying 461 out of 700. & saying my credit status is stable. Is this a good score or bad?? I am going to get copies of my credit file over the weekend with the 2 major reference ...

Brilliant news. Sounds like it is all going to go through smoothly for you. Now stop pooping yourself & look to the future. Good luck.

Try not to worry. As the others said surely they would have picked up on it by now. Try & think positive & keep your head down & just carry on. when I completed mine in March they didn't ask for final bank statements so try & think positive. Your near the end now & have a debt free future to look fo...

Hi. I had a next account when I applied for my Iva. I only owed 50pd so did not include it & then paid it off. My credit limit with them was at that time 2, 000. I started my Iva & the following statement I got from next showed my credit limit to be zero!! I presumed they had found out I was in an i...

Thankyou all. Never though I would get to this point!!!! Best thing we ever did, although I didn't think so at the beginning. Got till 30th Aug for my full 6 years but today we are another giant step nearer.

Hi all... well I checked the register this morning as it's 3 month to the day of completion of the iva.... hated seeing my name on the wall of shame.... but good new is I have been removed. Brilliant feeling. Got my completion certificate end of March so feel even better now I'm not on there anymore.

My 3 months is up next Tuesday. So here's hoping mine comes off then. My husband's came off 4 weeks after completion?? My 6 year us up end of Aug.