Mine came off the register in 3 days and husbands was at most 5 days.

The steak was delicious [:D]

My husband received his completion certificate last Saturday and I have just checked and he is no longer on the insolvency register [:)]

I think we will have steak for dinner tomorrow.
We are both now debt free.[:D]

I have today changed the payment date for Junes payment to the 1st rather than the end of the month.This will be his final payment,at least it should hopefully speed up completion certificate by 4 weeks,My completion certificate took 9 months to receive as they were waiting for confirmation of balan...

Hi After nearly 6 years (2 payments left) my husband is due to complete his IVA (mine finished last year):-) He is now on notice of possible redundancy :-( As far as I understand things they will allow him up to six months worth of redundancy payments while he job hunts. The rest will need to be pai...

Hi
As a result of this thread I Have checked the insolvency register.I am no longer on there and I received my completion certificate on Monday,They seem to be very efficient at updating things

I have just had a call from my husband my completion certificate has been delivered ( last payment made July 2014)so it has taken a while , I was wondering if I should celebrate tonight or should I wait until my hubbys IVA is completed (only 3 more payments),
Or shall I go mad and celebrate twice?

not quite sure how i have managed to change my name but I am both Helen013 and Helen.38

I am with payplan

I must admit I have not been able to get direct communication with my IP, I may have been lucky that the last person I dealt with actually seems to have passed my questions on to the IP. I can fully understand why you would be reluctant to take it further,I was concerned that if I had needed to "kic...

I am with Payplan and as you can see from my above post I was initially told that I would have to use my surplus to pay into my husbands IVA.It wasn't until the actual IP got involved that this was corrected.I would definitely speak to them and question it.

Well I finally have an answer, It has taken until last week for my iva company to get an answer directly from my IP ( although I don`t think they actually asked until I had my review in early July and queried it again). I make my final payment on monday :-) and do not have to pay into my husbands IV...

Thankyou Michael, I can`t find anything in our proposals that would mean that I would need to pay into his IVA, All it mentions is the increase in income which the IVA company are saying refers to disposable joint income not just my husband’s income. I don’t want to give in on this but I also don’t ...

I could do with some help ! I have again spoken to my iva company and they are referring to a section in my husbands iva that states any increase in income 50% of the increase must be handed over into iva .I have no problem with this but I do not believe that my share of the surplus should be classe...

I am not at all happy :-( .I have just been told by my IVA company that once my IVA is completed ,I will not be keeping my Surplus my husband monthly payment will increase by at least 50% of my surplus to take into account the increase in income. I explained that there is no increase in income just ...

My husband and I are both in IVA`s. mine is due to end in July 2014 and my husbands June 2015,we earn roughly the same and currently each pay 50% of our surplus income into our IVA`,Once mine has finished will I be able to keep my 50% surplus or will this have to be put towards my husbands IVA