Hi! I know how you feel as i have been in your shoes before. Foggy is right, all you can do now is send them documents they ask so they can start your completion process, but make sure next time you make a follow up on phone, make a note of the persons name you spoke with and follow it up with an em...

Hi Foggy and Shaun, i tried my best to locate the data collector address so I can send the letter to Virgin Media, but I cannot find it on their website or I cannot even talk to anyone as no Customer service call I can ring with regards to this (as automated answer kept asking for landline number or...

Such a small debt would have been caught by the IVA anyway, so I would try using the template to see if they will default the account and back date it to when the IVA started. Then, when the start of the IVA is more than 6 years ago, the default and all those red marks will disappear. Plan B, if th...

If the debt was pre-IVA then it should have been defaulted with a date on or before that IVA ... and they would have been included in the IVA. If it hasn't been formally defaulted it will remain on file, so you need to get them to record the default with the correct date and it will drop off on the...

Hi everyone!
Am now in the process of checking my credit file for mortgage purposes. I have seen one company in my report showing arrears but date was before I entered IVA.
What can I do to remove this in my file? Will very much appreciate your help, as always.

oh my, thanks Foggy!
Another blessing! xx

Hello everyone!
When and how can we change our mortgage lender now that we have completed our iva? We are on variable rate but have been stuck with high interest rate while on iva.
Will appreciate your help, as always. Thank you.

Hi! I recently completed my IVA with Aperture, this took 5 months after my final payment (July 2019). Make sure that you phone them for update every week to follow up and ask if there are no any other requirements you need to do, like final I&E, as they might ask you this and ask for additional paym...

Hello Jasmin.75 is this the actual completion certificate or just an email confirming its on it's way. As we know Aperture are not to be trusted with anything! Hi Kristian, It’s an email... here is the content.. Hello Congratulations! I am pleased to advise that your IVA successfully completed toda...

Finally received confirmation via email that my husband and i have successfully completed our iva😀...i cannot contain the happiness i am feeling! Oct2012 we started our iva, unsure if we made the right decision, looking back, it has been a roller coaster ride but hey, there is a light at the end of ...

Fri Jan 03, 2020 3:20 pmkallis3 wrote:

Yes you can - you're finished paying now so your money is your own.

Thanks kallis3

Happy New Year everyone! I need advice with regards to saving:) So, additional payment made in December, now (patiently) waiting for completion certificate... Are we allowed to save the money we usually pay to our IVA in i.e. savings account? We don’t have any savings at all and we just thought if w...

credit scores, in themselves, are pretty much meaningless. Each CRA has their own scoring system and potential lenders are not given the score --- it is just a simple way for us unititiated to see how we are supposed to be doing in the grand scheme of things. the number of debts and defaults will a...

Fri Dec 20, 2019 2:23 amluluj wrote:

Credit scores do not start to repair until your iva is completed and certificate issued. Six years from its start you will see credit files start to tidy themselves off. At this stage there is no point worrying over what one says against the other.

Thank you for your reply.

Hi everyone! Just a question with regards to credit score. My husband and I have joint IVA that is due for closure ( hopefully soon). The last time i checked on our credit score was at the start of our IVA in 2012, just got curious today, i tried checking via experian, my score is from very poor to ...