Hi - Our IVA finished in September 2014 (5 Yrs) and I have 2 questions: 1st - We have just gotten access to our credit files to see where we stand. My husbands credit file looks quite good, a score of 466 (above national average) and all defaults have been settled. Obviously the IVA stays on file un...

I completed my IVA in September (5 years), I've received my completion certificate and am no longer on the Insolvancy Register. However, my car has not got long left. My question therefore, is what are my best options to get credit for a new car? I want to be in a position to go straight ahead and g...

With a little help from Peter Collins at Freeman Jones I have received my Completion Certificate today (by email - still waiting of the hard copy in the post)!!

4 weeks until Christmas and I am officially debt free - could not be happier!!!

Hi Sarah,
Yes, i have spoken to Peter. Thanks very much to you both for your help.
I look forward to the arrival of my certificate!

Thanks Foggy & Welshwiz. I emailed Freeman Jones again yesterday and copied in Sarah Jolly. A relationship advisor got back to me straight away to say they are looking at my file and will hopefully have a definitive answer about closure by the end of the today!!! Fingers crossed - could be a good we...

I have previously directly emailed Sarah Jolly, but she just forwarded it onto my relationship manager who told me the usual completion can take upto 4 months!!!

Congratulations!! Can I ask who you are with and when last payment wad made? I made last payment to Freeman Jones on Sept 30th and really hoping my completion certificate comes soon!!

Thanks Foggy - that's reassuring to hear that!!

Thank you Sarah - I do hope it is sooner than the estimated 12 weeks! It would be lovely to officially have a debt free Christmas and would be a wonderful start to 2015 knowing everything was complete and we can start our debt free life!!
Here's hoping x

As far as I'm aware all reviews are up to date and no further monies are due, all ppi has been investigated and their is no equity in my property. Spoke to somebody at Freeman Jones today and all they said was it can take upto 12 weeks for my case to be reviewed and unless there is a problem we won'...

I made my last IVA payment 6 weeks ago (sept 30th), 2 weeks after that I contacted my relationship manager to ask what the next steps were as I had not heard anything from them. I was told my file has been passed for completion. I know the process can take up to 6 months, but should I expect to hear...

Thanks Wiggle - that is mainly what I'm worried about!
Has anybody had any other problems after last payment that i can prepare myself for?

Welshwiz, when did your IVA complete?

I made my last IVA payment to Freeman Jones on 30th September and have just spoken to my relationship manager who told me it has been referred for closure today. There is no outstanding monies due and no equity in my property. I've been told the closure process will take upto 4 months and there is n...

I am with Freeman Jones - has anybody had any experience of how long they usually take to complete?