I take it the certificate isn't backdated to the date of actual completion?

Just looking for some advice/insight really. We completed out 6 years in early April this year. Still no completion certificates, it's still showing as active on the government website and obviously still on our credit records. Can anyone advise if this is normal that it takes this long for all the ...

Me and my husband are seriously considering an IVA. What's your experiences of the different companies on the market. Is there a consistent front runner for working well with the customers?

Also i'd be interested to know your experience so far of being in an IVA...