Hi my IVA is now all paid up, first payment 28/12/2012 last payment 28/11/2018 the full 6 year term, my question relates to 2 issues on my credit report one from Nram that shows as satisfied but also shows 6 missed payments and a default date of 20/3/2013 after the date my iva started. Natwest bank ...

Thanks Foggy and Luluj i will try and hang on, that will cheers the wife up, she hates what she calls the batmobile posting.php?mode=reply&f=145&t=86880#

Hi my iva final payment was made 22 Nov 2018 to finish 22 Dec yay !!!, still waiting for completion certificate though, i have checked my credit rating on experian which is fair but has dropped to poor when one of the creditors made an alteration that affected my rating, i had 2 loans and an account...

Thanks Foggy and Lisa, great help

Hi all my last IVA payment is the end of this month, so I have been having a look at my credit file, only through total money though, all but one of my accounts are showing as settled, that being NatWest loan and account they are showing as default and are showing since may 13 so I assume it's going...

Turns out there was another small ppi payout, £11000 in total. Which does kind of pee me of a little as I did the ppi thing twice before going into the IVA and possibly would have been ok had this money been available instead of being told I didn't have a claim

So it is possible to get 2 lots of interest paid from the one ppi payout then ???

That's starting to make sense, our first ppi payout was £7000 which agrees with the first amount of interest we received of £500, the cheque we recently received was £1100 so based on that there must be a £14000 ppi claim we haven't been informed of.

Does anybody know what % the interest is calculated on

Yes they have both come from aperture themselves.

Hi just a quick one, i recently ( 2 months ago) received some statutory interest on what i thought was from a successful ppi claim i had some time ago, today i received another cheque for almost twice the first cheque amount again statutory interest, is it likely that both are from the same claim or...

Many thanks for all your help, it has been very useful to us

The money is all coming from the pension in lieu of the flat selling, but out of curiosity what happens if we dont offer a FF and the flat hasn't sold after the full term of the iva it is on at a good price and has been reduced in price to sell

You'very lost me lol.we were going to make a few of £23000 consisting of approx £8000 in payments and £15000 from the property and you suggested an offer of £20000. I was just wondering if this was right as the biggest portion is coming from the property or would that not matter

Just some final clarification please Lisa, would you still offer £20000 even though £8000 of the £23000 is actual payments and £15000 is equity or is that pushing it a bit.And many thanks for all your comments