Thanks everyone, very much! I can't wait for may when finally check our credit file and see it's gone for good!! I feel we have learnt a great deal too, its quite nervy to think about life after an iva - we will have a lot of extra income which will be a strange but amazing feeling!! Congrats to you...

Aw thank you! I did mean to put this in the new questions bit not the complaints - no complaints from here!! And I also meant to smile and not be devilish but hey! Thanks!!

I had to write a message to say that after 6 lonnnnnnnng years, we have finally finished our IVA! I tell you, I've begged for this day & it's still so hard to believe. Aperture were very efficient too!! We made our last payment on the 01/03/16 and received our completion certificate today! Just got ...

I have actually spoken to Ryan before who was hugely helpful so I would think we'd take our business straight to him to be on the safe side...

These threads always intrigue me though!

I have also just found this: Bankruptcy/Debt Relief Orders/IVAs Lending to a customer with a history of bankruptcy OR who has been the subject of a Debt Relief Order (DRO) or an Individual Voluntary Arrangement (IVA) can be considered provided any bankruptcy, DRO or IVA was registered more than 6 ye...

I am watching this with interest... Any news?

Also, I suppose you can apply the same logic to the 'magic question' if you entered an IVA 6 years and 2 days ago??!!...

It was only because the 3rd party funds are not available until then so we said that we would make our payments until that date to give them the max amount back. They accepted it on those terms.

Hi everyone! I wanted to update you all on our f&f meeting that happened yesterday. After a long wait, I couldn't help myself but ring them for an update and they were pleased to tell me that the offer was accepted! As part of our proposal, we will transfer the 3rd party funds across on the 1st Marc...

Oh i do hope so!! Thanks for your wishes!

Hi! Received my report through today and our F&F creditors meeting has been set for 11th December! I am half nervous and half excited. Can only hope now that it is accepted - the report recommends that they do and it reads positive so fingers (and toes) crossed! GT have been dealing with this and it...

Hello!! So we put an offer through to GT and they phoned me on Friday to let me know that they are willing to put my offer through to the creditors. I have to have a conversation with them over the phone on Wednesday about what will happen if they accept/refuse and some other things I think... Just ...

hi! Just a quick question, we are looking at making a f&f after Christmas - around February. Whilst the offer is going through, am I allowed to put the house up for sale?? Obviously I know that if we were to sell it would inform my IP but just wondered whether it is possible to at least advertise it...

Haha, you're not a Debbie Downer... all advice is much appreciated!!!

Thank you

Lifenoteasy,

You would approach GT now with such an offer? I know they are rebranding, we have had our letter advising us of the "great news!"

We have also had more forms to complete re the PPI, not sure why as we did it ages ago but more have arrived through the post!

Ta
Emmie