My completion certificate is imminent too (finished in Sept 14) and I have the same question as Steve if anyone can help? Also, I have had a look at my Noodle credit score which is obviously 1/5 at the moment. Do i need to wait for the IVA's 6th anniversary to start improving this score as the defau...

I am going through the same right now Christabelle. Have sent a last I&E review etc 6 weeks ago. Last payment was 1st September and am awaiting decision about whether I am finished. I had to push for the final I&E paperwork to fill in though as I was anxious like you. I need to know this week so i c...

Thanks Relieved - will do

Did you guys stop paying your direct debits when the end was due and then pay any extras directly? I want to cancel my DD as I paid final expected payment 1st September and don't want GT to take another £530 while they review whether i am finished... Any advice on this? Thanks

Oh Gosh! Hope you're right Michael - its been a tough road at times but am delighted to be at the end of it

I made my final (60th) payment on September 1st. I have never missed a payment, asked for an extension or reduced payments. All my PPI claims went through and were paid in full into my IVA. I have confirmation that my property has no equity and that GT will not be seeking any further money from that...

will do Merlin i think secure Trust has been great for me as i can't overspend or be charged for failed direct debits etc. but for £12 a month other people are getting breakdown cover and travel insurance and other benefits...

Hi Cazza, my IVA was started aroung the same time with BE and moved to GT in 2011 as well. I have had all my reviews with them. I think ou need to speak to them. I wouldn't worry about the increase in income as they will re-calculate everything and it sounds like you have the same disopable as when ...

Thanks for the replies - I will check out barclays

With my IVA coming to an end I am interested in moving my current account from Secure Trust Bank (who were recommended by my IP when I started my IVA) to a normal current account. I am paying £12 a month for an account that has been great during my IVA but from which I receive few benefits for the m...

Hi all. I am in the same position as PM123 but am finishing IVA in September. Quick question please? Is it worth trying to improve your credit score before the IVA comes off after 6 years? Can you improve it significantly while the IVA is still showing? I would be interested in hearing how long it t...

Thanks Mel for the advice and thanks Christabelle for the encouragement. Lets hope we all get the outcomes we deserve. I have just had a pay rise so will let the IP know on Monday so i don't get unstuck right at the end. Good luck all!

Thanks for asking this as I am in the same situation. Finish IVA 1st September. Can i also ask Michael if the IP will contact me to prompt for the valuations. Also can I expect any other reviews or checks in the last 6 months of my IVA? Getting twitchy now as the end nears. Seems too good to be true...

Hi Tamiami I am with GT and didn't get my interest back because the payment (7k) went into my IVA 4 days before my Mass variation meeting to agree interest... I was gutted. Check hat your mass variation has been done and you should get your interest back. Good luck and I hope its a nice little windf...

Thanks all for your replies. Peejayel hope you get a nice little sum back. It all seems a bit ifs and ands and no clear regulation. The government demanded the PPI be paid back - perhaps they should do a bit of regulating here... Good luck everyone who is waiting.