Thanks Lesley. At least the IVA is done and becoming a distant memory and thanks again for your advice and thanks also to Melanie and Andy for their advice during the early days of my IVA. The support and hard work that you all offer is invaluable.

maybe, doh, why is life never straight forward! My son has to be at his new school by early September, we need somewhere near a school, but need to have an address before he's allocated. Ahhhhaaahhh I think I might go insane. Thanks for the very valuable help. At least now I can check the status of ...

Just signed up. Excellent. I've discovered my IVA started 6th of August 2007 so I should be able to get it free from my record by then. The only downside is I will be moving and signing paperwork for a new rent at exactly the same time but I've no idea when the earliest is it will come of my record....

Thanks Lesley, really useful. I do have my completion so would it be ok to make a copy to send to the relevant agency as part of my request. I'm aware Equifax and Experion is there anyone else?

Hi folks. It will be six years next month that my wife and I first undertook our joint IVA. I finally settled mine in February last year and my wife did the same two months ago after repaying 60k (I know a long wait but it really is possible). I would now like to begin improving my credit profile an...

All sound advice, thanks everyone. Johnt

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Have you received your completion certificate yet john? That's a good shout. I've received a letter thanking me for a full and final payment, made generously by a family member, and advised on the phone that a variation mee...

Since I've succesfully completed my IVA with no more money owed to my creditors, I was sent a full and final letter a few days ago, would any potential PPI claim still be distributed to creditors or to myself?

Hi all, it's been a while since I last posted and have learned a lot while on IVA.co.uk My full and final was settled two weeks ago with Payplan Partnership. It's taken six years to clear more than £60,000 worth of debt, and now it's done, I can honestly say it feels great, 'born again' you might sa...

Thanks Helen and Bridgewood. I just discovered the sister site before I checked any replies, so I've referred him to the site. Very useful! and shows how much has change since I last logged on. Regarding both there jobs. I helped with my friend leave since there was a legitimate grievance with the c...

Hi all, haven't been on the forum for a while. A good friend of mine was recently made unemployed from the company I presently work for. Long story short, we've discussed my IVA a few times, and he's been in a similar position, looking at an IVA, since he's £50-60k in debt with his wife. She hates h...

Thanks again to everyone especially Andy and Melanie.

I wouldn't have had the confidance to approach my IP without their advice. This will make a significant difference to both myself and my wife.

Just had fantastic news! Had a phone call from my IVA firm, the representative explained that they have had a call from my IP and have been told to reduce the levels back to the originaly agreed amount. They even went as far as saying that some changes would need to made for front line staff as to h...

I've just written to our IP Directly via eMail so will let you know.

Thanks for all your help. I shall approach the IVA firm tommorow, hopefully a bit better informned. I'll let you know how I get on.