I hated them but at the end of my IVA (which I settled with the very fair F&F offer they came up with) they completed quickly and easily and I had the completion certificate within 2-3 weeks. This changed my view of them. They also didn't mess around when it came to annual reviews. I never thought I...

Just received this from CF: seems you have to opt out of it rather than opt in Following the successful completion of your IVA this is the perfect opportunity for you to review your financial affairs and ensure that you can enjoy a stress free future now that you have successfully dealt with your de...

Hi
IVA completed November 2015 with F&F. Completion certificate following week. Now looking for a business account as I have lost my job and need to go self employed. What are my chances and who is best to approach?

We also have Vanquis and I have seen my rating rise each month. Settled mine as F&F mid November, CC the week after. Everything is done and it's good seeing the results and changes. I complained that Lloyds hadn't marked something as satisfied, and I got £100 compensation for it which was great as o...

I'd just leave the whole thing alone and be happy I was free.

Glad I complained, cheque for £100 on its way as compensation for inconvenience [:D][:D][:D]

What is the difference between "satisfied"/"settled" and "partially settled"? All creditors bar Lloyds have debts as "settled" but I wrote to Lloyds as they still had the information as "default". They have written back and said they'll change it to "partially settled" but I have my completion certi...

Do they keep your name on the insolvency register until the last minute? Has anyone gone over the 3 months? My 3 months are up on Weds and I am keen to see my name come off!!!

just checked my search history for you; things like insurance companies show up on my Noddle a/c. Vanquis does not, so it must have been a soft search for the card they gave me. They gave me a £500 limit. It was about a month after completing the IVA early, so the defaults still show on my credit fi...

Meant to say cc arrived the week after the meeting & approval. So five weeks in all from offer to completion.

Mine was 28 days after I put the offer forward and the completion certificate arrived the following week. Cannot fault Creditfix for this part of their operation; they were amazing.

Thank you! It's cleared that one up in my head.

So, let me get my head around this. I am looking at Noddle. The Santander and Barclays ones show as a "closed" account and are marked "satisfied" from Nov 2015. The last red default on them are Nov 2015 when the IVA was closed; Dec 2015 and Jan 2016 show nothing. However, Lloyds still shows as "open...

Thanks, Foggy. This is what I was confused about as there seem to be different ideas about this.

http://www.iva.co.uk/forum/topic.asp?TOPIC_ID=75299