Thanks Kallis

Hi, IVA completion certificate received over 3 years ago and now I'm looking at moving and applying for a new mortgage (joint with girlfriend). My credit rating is very good now but I know that majority of lenders ask about previous IVAs. Does anyone know of mortgage lenders that either don't ask ab...

Congratulations on the completion, enjoy your debt-free future

Thanks for the comments .... I certainly intend to move onward and upward from now

I received mine within 2 weeks from Stepchange. It all depends on the IVA company.

It's not unusual to struggle at first, until the realisation that budgeting is essential kicks in. Remember the reasons we all get into debt in the first place, usually its through over-spending (certainly in my case) and it's a big lifestyle change when entering into an IVA. Take the advice people ...

Well today is probably the best day I’ve had over the past 5 and a half years ….. I received my Completion Certificate! It’s been a rough time costing me my marriage, my financial freedom and sometimes my sanity, but I can now look ahead to a debt-free future. Looking back over the time of the IVA, ...

Thanks for letting me know ..... I was hoping you would say "straight away"

I've been with Stepchange for over 5 years and communication has always been one of their strong points. I haven't agreed with the advisor I speak to constantly changing (as you don't actually speak to an IP) but timing wise they have always been very punctual and helpful. Good luck getting things s...

Does anybody know how long it usually takes from receiving the completion certificate to the RX1 restriction being lifted on my property?

Congratulations on completing ..... I will be joining you very shortly.

Enjoy your new found financial freedom.

Thanks foggy

Foggy wrote:

We have two brokers, Ryan and Shaun. Their details can be found in yellow, here:

memberlist.php?mode=team

Congratulations on completing, I will complete next month and a celebration is definitely planned. Enjoy your financial freedom, and learn from previous mistakes .... I know I will :D So.......I am sat here looking at the pending transaction that is going to leave my bank account tomorrow morning wi...

Well the good news is that I only have 1 more payment to make on my IVA and then I just have to wait for the completion certificate :D Once everything is finalised I will need to re-mortgage, not for the IVA, but because my wife and i separated during the IVA and their is a small amount of equity in...

If you include the equity clause in any Full and Final payment request then it can be done but it depends on how much equity you have. Chances are that your IVA will be extended for an extra year to cover some of the equity so this would need to be considered when proposing any F&F for consideration...