Hi all, Not been on for a while but hope someone can offer some advice. We completed our Iva in July 2015 and was off credit file July 2016. We have been doing really well since, slowly but surely rebuilding our credit history and now have excellent credit files. We are now wanting to move house and...

Thank you, I will email GT now and ask it is changed.

No it is still on and still showing as active

Thanks Kallis3,
Sorry another question, when are we removed from the Insolvency register? and how do we go about doing that?

Hi Foggy, Longslog101 and Lifenoteasy, Thanks for the advice, I will certainly start with the letter and contacting the credit agencies. One other thing I noted, there are only two defaults and these two did not accept the IVA, all the others are shown as settled. Is that how it works? Yes Longslog1...

Hi all, We received our CC on July 2nd, I realize it remains on file for 6yrs post IVA date but should the file be updated to say the IVA is completed? it says ours are still active. Also we have two defaults but the dates are 4 and 6 months post IVA date, how to we get these changed to the correct ...

Hi all,
last payment made 20th April, following a small hiccup Cc recieved 2nd July.
I appreciate it will stay on my credit file until 20th April 2016 but how do I go about ensuring it gets cleared or is there nothing I can do until then.
Thanks

Hi All, not been on for a while but thought I would update. As some will know we experienced some rather hateful accusations from a third party and as a result were subject to a possible breach of our IVA's. To cut a long story short the allegations bar one were all proven to be untrue and the other...

Thanks Michael, didnt realise there were such people out there. Certainly wouldnt be my cup of tea either but each to their own. we have an appointment on Monday so am hopeful things will be a little clearer and we can move forward to a final closure, everything croseed that a solution can be found ...

Thanks Michael, she is as far as we know in very good health and in early sixties so potentially a very long time away from the end so to speak. Who is likely to put up this offer then? And would they effectively be paying for my husbands share as and when it became free?

Thanks Michael, the share is on condition that his wife dies or chooses to move there is instruction that she is at no time to be forced to sell.
We are taking advice so hope to have a clearer idea after that.

Thanks Foggy if we can avoid involving his step mother all the better, we have one very close friend of mine who knows and she has offered to help make payment if it will finish this for us but i think as relieved33 hasvsaid professional advice is needed. Thank you relieved33 we too will be mortifie...

Hi relieved33, hubby has had no communication with stepmother since fathers death a year ago and she is not aware as are any of the family of our iva. Hubbys dad share was left jointly to him and two siblings. No i doubt stepmother could buy out share. Foggy would she have to get the secured loan? E...

Hi all and thanks for the replies we are taking legal advice to be certain of where we stand as it does appear to some degree on the Ip. one other thing sorry, wehave been told we have to get my husbands fathers house valued and tell them what is secured against it. We havent spoken to his stepmothe...

Hi all, still gathering information ref possible breach. Do all proposals have a windfall clause written in the actual propsal not the protocol or terms and conditions.
Seems to be conflicting information on line.