<t>Hello <br/> <br/> I have just completed my IVA and received my certificate. Can someone advise me on what happens or what should I do to remove defaults etc from my credit record. Do I have to wait a minimum time or should they gradually drop off. I have noticed a couple have already dropped off....

Hello mole

I will double check the paperwork. Can I ask who you are with.

Thanks for your quick replies. With it being my 1st review I just wasn't sure what the procedures where.

I am glad this forum is here cause everyone who takes time to reply with advice are very good people.

So I have nothing to worry about for year 2 of my IVA. Do they not have to get the creditors involved if the monthly payments have to be reduced due to bills increasing.

Hello I have just completed my 1st annual review(I&E). My income is basically the same but the only major increase of my outgoings is my gas/electric. My iva company have calculated that my surplus amount is £16 less than the 1st year. In this situation is it normal for payments to decrease for yea...

The PPI claims company that are checking for any PPI claims on behalf of my IVA have found 2 lots of possible PPI. This PPI was claimed about 4 years ago my me. Well before my IVA started. I now need to answer a questionnaire so they can start the complaint process. Will RBS tell them there is no PP...

How long on average does it take for an iva to start. Do the creditors vote quickly. What advice can you give me if I have payments due while I am waiting for the iva to start.

Thanks