Hi, I'm new to the forum but that's my story too but the other way around. My wife went bankrupt and all the joint debt fell to me and boy did those creditor types chase. Your IVA adviser should have spotted that and worked out a solution for you both. This is one for a professional. If your wife de...

Thanks Julie, thanks Matrix. I do have the certificate of completion. This came through very quickly but one of my lenders seems intent on ignoring it. I have sent a copy of the certificate to the three CRAs but they sent odd letters back saying they couldn't locate the record. I can and it isn't ev...

I have complete y IVA. Final payment last November. Some of my crediters are still recording a default on my credit reference report. Is this right, can I do anything about this, what should crediters do?