It can take up to 3 months to get of the register but I got took off in a week by emailing them my CC AND the creditors report. The folks who maintain the register are on the ball unlike credit ref agencies. The email address you need to email is- CustomerServices.EAS@insolvency.gsi.gov.uk Please in...

The thing is is that they could just refuse to send you your CC. It seems the devil was in the detail in the DoA they sent out in 2014. From now on I would expect all the iva firms will have this clause put into there iva proposals. The thing that gets me is that you just know that DFD will be getti...

What's the point of the iva if your going to be in just as much debt as when you started?
The completion of the iva is meant to be a fresh start.

Hiya Your situation is very similar to mine, my iva started 2009 anf finished march 2016. I surrendered my house in February 2013, mortgage was with Nram. All debts show as satisfied on my credit file and I'm currently trying to get Nram to remove the mortgage default from my CR. But either way we w...

Also put a few lines in your offer stating that you are under a great deal of stress and that your job is in jeopardy due to cutbacks. This may also give you further leverage for them to think "**** the iva could fail and we will get nothing, better settle now" Add up all of your remaining payments ...

Mate for 70k of debt I'd just go bankrupt and be done with it.
I'd only choose an iva over BR if you have assets you want to protect, like if your a home owner.
Your a young guy, and you've got plenty if time to recover financially.

By an old toyota yaris for £300, mine got me through the final two years of my iva.
It was like a Swiss watch, and I've still got it.

Chappie from reading your posts about your situation before seing about closing off your iva your going to need to address the mortgage shortfall which from the repossession of your house. Is your mortgage lender one of the creditors listed when your iva began in 2008. For instance in my iva Nram we...

Mate that's Nram for ya, and to think that they are owned by the taxpayer is beyond rediculous.
They were by far the hardest of my creditors to work with, I just thank god it's all over now and I've got my CC

I made a FnF payment to finish my iva in July 2015. When I paid them DFD said my CC would be with me within 6 weeks. I've only just received it, 29/03/2016 after 7 months of waiting, and mine was a straightforward closure. DFD will tell you alsorts of crap, your CC will take at east 6 months to reac...

Foggy thank you I will have look at this. What gets me is that I discussed the surrender fully with Nram prior to giving the keys back and I paid the mortgage in full every month until I sent the keys back. I never actually defaulted on a payment. Really I think they should have just took ownership ...

Yesterday I phoned Nram to speak with them re this default on my credit file. To be honest the guy who works in collections dept just said it will stay on file but only for 6 years. I said but what the debt was included in my iva which has now completed but he said no it will stay on. Now I got off ...

That's what I'm hopin is correct and they remove it when I send in my completion certificate to them.
Thanks for your advice.

Hoya thanks for your quick reply.

Do they have remove the default even if the debt/default was created after the start of the iva?

Hiya, I have finally finished my iva which began in 2009 this month. I have begun to look into a credit file clean up. However I have a question re a defeault on my credit file. As I said I began my iva in 2009, I had a loan from Nram from the start in the iva, Nram were also my mortgage provider. T...