I finished my iva over a year ago and all defaults fell off my credit report at the end of last year. I've started to rebuild my file and my score has gone up quite dramatically. My partner and I are keen to buy our own house, we're both in our 40's and neither of us have property at the moment. Wha...

Thanks Lesley

I am coming to the end of my 6 years, I have about 6 months left. My IVA itself was completed early on a F&F settlement. My partner and I are hoping to buy a house together as soon as we can. I realise that my credit file is still showing the IVA and as such will affect any mortgage rate we are offe...

After a gentle nudge to my IP I'm happy to say my certificate came today. Off out in a bit to celebrate... Nice cold milk shake for me ( don't do booze) weather suits a milk shake anyway

Well done... I bet that feels wonderful. I shall wait with everything crossed!!!

Hi Little Miss Trouble... have you received your paperwork yet? I chased mine up again today but haven't heard anything back from them. Be interested to see if yours has been sorted...

Hi Little miss trouble. I am with Kingsgate. I guessed it would take longer than they said, but as you say I think there are worse out there. Fingers crossed we get them soon. sx

I've just had the best news, well not the best best but a move in the right direction at least. My F&F was accepted in February and after chasing my IP I've just found our the completion paperwork should be sent out at the end of next week. Obviously I'm not getting overly excited as these things us...

I lost 3 jobs during the course of my iva, the first 2 times I managed to keep payments going with redundancy money until I found another job. More recently, I was made redundant with no payout and even no last months salary. I spoke to my IP who were very understanding. In the end I had to put in a...

Well said Foggy!

Useless

Thanks again Melanie, unfortunately looking at all the forms I've been sent I'm unable to complete the bulk of the information and as the loan only lasted for 7 months any payout would be minimal. I shall probably have to let it go. I don't even know if I'd say I was mis-sold... it's a very grey area.

Thanks UpToMyNeckInIt.

I think you're right, you have to be able to draw a line under the debt. We've done all we can to pay back what our creditors have asked for and to keep demanding more does seem unfair.

Thanks Melanie. The wording is : " That the contributions paid to date be accepted in full and final settlement of the debtor obligations under the terms of the arrangement" I'm not entirely sure that would mean I keep any further PPI money. IVA speak can be something of a minefield and easily mis-u...

Hello! Another PPI question is just about to rear it's ugly head... brace yourself!! I've finished paying into my IVA but I'm still waiting for the elusive completion certificate. I've received two letters today relating to old (and I mean old) bank loans I had and paid off long before the iva start...

That was a fast completion. Well done! I'm guessing there will be some celebrating this coming weekend. My F&F was accepted on 26th Feb, I hope mine is as fast as yours ... we can but dream!

Congratulations!