Thanks guys. I will do that. A bit ****ty that I have had to wait nearly a year for it though! They are definitely behind and probably have to wait a further three months after they receive the signed letter!

I completed an F&F in October last year under Cleardebt. I have still not received my completion certificate and after several unanswered emails to Aperture I finally managed to get hold of them on the phone. They are now saying that they cannot complete my IVA unless I sign a form regarding PPI bec...

Thanks both. I will need to look further into this I think.

Hi all
I was lucky enough to have my F&F accepted in October. I am with Cleardebt and as yet am still to receive my completion certificate due to the changeover. My question is am I now allowed to become a Company Director or do I have to wait until my full 6 years is up in 2018.

Thanks relieved33. I will chase this up then. I realise it will make no difference to my credit rating but thought that maybe if I could prove it was completed it might help. Not to worry, I can wait a bit longer to move!

Hi Kallis, Thank you for replying. I am with Cleardebt. What does my certificate actually mean and will it help me if I want to rent. At the moment I am renting but can't move because I am in an IVA and no-one seems to want to rent to someone in an IVA

Hi all. My F&F was agreed with last payment made to my IVA in October. I am not sure what the procedure is now as I have heard nothing from my IP. I still had two years to run on my IVA so cannot get credit etc. until 2018 but will I get my completion certificate before 2017 or when my IVA should ha...

Congratulations! It must be a wonderful feeling!

Will do!

Thank you Lisa

Thank you Michael. Will do.

Hi All I have received a letter from my IP saying that I have to have a letter from my friend saying that the money is available for my use and also proof that the money is available. Rightly so, my friend is unwilling to disclose their financial position to anyone so this leaves me in a tricky posi...

Thank you lifenoteasy

Hi
I am just entering my fourth year of my IVA and it is possible that I may be given some money to pay off my IVA. I have 24 payments left to make at £290 per month. What would be a reasonable offer to make for a full and final settlement please?

Lovely post and congratulations. Hope that all is well for you and wish you every success in your future business x