If you've never applied for an iva then you haven't got one. I'd ask them where they've had that information from

You still should be hugely proud of yourself though for doing the very best by your creditors

Hang in there, it'll be worth it in the end

Congrats from me also

[:D]

Hi, it's a good idea to send the credit reference agencies a copy of your completion certificate so they can mark it as satisfied. It will disappear after he 6 years provided there are no late defaults recorded after the IVA started. If this is the case you will need to send a copy to said creditor/...

Has your IP explained the reasons to you. Is there equity to take into account?

Youll be amazing [:D] xxx

Hugs xxx

Deffinitely worth putting forward. The idea is if possible to offer as close to the original promised dividend as possible. A lot of creditors like to get their money early so give it a shot.

I remember the feeling well. Congrats!

Hi I think if there's nothing direct in your paperwork then your ip would be the best one to ask but I do suspect some will have to be paid across depending on the ammount

I would discuss this with your IP. It does seem a little odd the way you've explained it. You would never be expected to repay more than you originally owed plus fees and possibly interest.

Hi and welcome. You do need to discuss this with your IP. You would be required to fill out an updated income and expenditure form then your payments could be reviewed. It's possible you could have them reduced.

Hi and congrats. Your name will cone off the register straight away but the IVA will remain on your credit file for 6 years from acceptance date.