One final post hopefully it will be good news to others in the same position or nearing it. Following the receipt of my cert of completion it took 3 working days for my name to drop off the insolvency register so no horrid 3 month wait which I expected!

Thanks everybody it's great to finally feel free and able to make a fresh start!

Hi all Received my certificate of completion yesterday can I dare to believe it really is all over? I have the report and confirmation that the insolvency service will be contacted. Credit report for some reason never showed the IVA so all good there. Is there anything else I need from the IP or is ...

Also is it worth in that case staying away from former creditors and companies with in their group in the short term and trying a completely new lender I've never had history of any kind with?

How long after receiving my completion certificate will I be able to approach mainstream lenders for a loan? Will I forever be blacklisted on bank records?

Thanks Melanie that was what I thought but you can never be to sure with things like this hopefully there wont be anymore of this type of thing to raise its ugly head!!!!!

Anyone??????????? Surely the experts must be in discussion regarding this!?!?!

Anybody? Starting to think this may well be the next stumbling block for those whose IVAs have been dragged out due to PPI!!!!

Does anyone have any information relating to the next round of potentially IVA delaying banking scams? Interested in hearing from IPs is this something that will be jumped on for re benefit of creditors??

Cheers all!

Any IPs out there with a view on this please???

Hi Experts I'd just like to hear your take on the latest banking scam to effect consumers. It seems that like PPI the next hurdle to overcome could be CPP. Is there any talk between IP's about bothering to go after this or is it too small an amount to go chasing after? Unlike with PPI where the pote...

Hi Thanks to all of you who have assisted me in the past with questions around my IVA. I am in the final stages - IP just dragging the PPI / completion certificate bit out which I am trying to resolve at the moment. My question is around obtaining a mortgage (new buyer never had a mortgage before). ...

Thanks Melanie I'll persevere

What are the incentives for an IP to keep an IVA open? Do they draw monthly fees out of the pot? This is all I can think as to why my IVA is being kept open now all of the Paymex PPI issues ad nauseum have been resolved! There must be some incentive or is it just my IP is crap? I've emailed until I'...

Thanks Nickjohn where would i find out whether R3 or standard protocol is being used will it be on the agreement contract?