Thanks, great video. I have sent off letters (using the template from PJG Recovery) to all companies showing defaults after 6th October 2010 hopefully they will listen this time.

Hi Just to go back to this, now almost August 2016 and my start date was 6 October 2010 completion cert dated 25. August 2015. I have defaults on my credit file from July 2010 upto around November 2015. Am I correct to think there should be no default dated later than 6th October 2010? I have sent l...

Afternoon all just quickly like to say keep at it as when you get your cc its a wonderful feeling.
My question is a simple 1 my iva started 6,10,2010 cc dated 25.08.15 when it it come off my credit report 6yrs from start or cc date.

Many thanks

Many thanks for the kind words. Thought I would post it as I know how hard an iva can be especially this time of year, so a few words to give a bit of encouragement for those finding it a bit tough.
Many thanks

Just a quick update since completion 25th August 15 for those that need a boost. Almost 4 months on and defaults are gone credit rating is on the up im off the insolvency register and have (0) balance 2 credit cards 1 with a high street bank. There is life after an IVA so hang in there. Merry Xmas t...

Hi

I have contacted all 3 CRA and my creditors with a copy of the certificate.
However should the defaults show upto current time.
They all do go back to the start but I'm thinking 6 years to drop off from the latest date?

Hi I have completed my IVA a few weeks ago whoop whoop.
I need to know the defaults on my file I understand they will go after 6 years but they say default upto September 2015 is this correct?

Many thanks

Hang on in there its a great feeling to complete.

Well its arrived my completion certificate last payment was 19th August PPI any agreed to go to CF, CC 28th August, THANKYOU Creditfix (& PJG) I have read all the posts about CF but I have found them brilliant throughout. IM FREE WHOOP WHOOP SO HAPPY thanks for all your help one and all. Allmost don...

Am I missing something? I can't see what affect these changes have on us? Our payments wont go up we weren't ever going get to ppi (why should we anyway we are the defaulters). CF get more money creditors get less which they agreed to.[:)]

Great news. When i got a call from CF recently confirm no equity it was overwhelming, i know how you feel. Such a relief, fingers crossed nothing nasty to be pulled from the bag in the next few months.

Thanks equity is dealt with its just final paper work they may ask for.

Hi All
My last payment is almost here, and being they way I am I like to know in advance any details.
So to all that have paid up (not F&F) what happened when your last payment was made, did who have any sort of final review?
Many thanks

Well I have to say I have read a lot of posts about CF, which I have to say really worried me. I have been through a review and equity release with them and have had it confirmed that my IVA will conclude on month 60 which isn't that far off. I have found ALL the staff I have had dealings with very ...

Thanks all for help. Zoopla actually under value our house. I will get an estate agent to do a market valuation I just hope they excpt it as im sure they don't use zoopla they must use a firm of some sort. It does sound like the online is always over though.

Such a worry, mine states I get a valuation in month 54 so im going to and hope its used.