My IVA is finished and completed
It’s been 6 years now
When will it totally disappear from my credit file? And is there something I need to do now or will it happen automatically

I ended my Iva in January with a full and final offer in my 5 year. Iv got my completion certificate in April.
But still showing Active on credit file
Is this right ?

My IVA was completed In January this year I ended it 14 months early after my full and final offer was excepted I have had my completion certificate back in February my question is when do things start to disappear of my credit file is it after the full six years or should they start to go now

Updated on my offer
It was accepted on Monday 25th So so happy now iv reached the end.
Thank you you Foggy for all your info and help over the last 4 years

May be a silly question but. What happens at the creditors meeting if NO one votes ? What happens to my F+F offer then ?

I would 100% recommend Stepchange
Iv had my IVA with them for the last 4 years and they have been fantastic from the first day to present day

Do I just reply to this then with the info and that’s my f+f offer done. Or would you also send a covering letter email with my offer if you were me ? Sorry for all the questions I just want to get it right! First time.

Foggy can you please advise on this. Iv rand stepchange this morning to tell them of my office and Iv got an email that reads. Please confirm that you propose the below: I would like you to arrange a meeting of creditors to settle my IVA from a third-party lump sum of £5000.00 Provide a full explana...

Thank you Foggy all the information and help you provide is a really help and a lift I really want this offer to be accepted and I can breath a little easier wants it’s been sent off

I’ll let you know the outcome

Once again a BIG thank you

Would putting that I’m going through a marriage break up help with the f+f offer? Or is this something the creditors are not really interested in

I’m just about to put it all in writing today so want to put it the best way I can

Thanks

just an update iv just had my 4th annual review and my payments have been reduced to £261 pm so my last year on my via is 12 payments of £261 x 12 = £3132 I no ill have an extra 12 months added to the end of the iva has I have a mortgaged house so in total 24 x of £261 = £6264 Im going to put forwar...

Thank you for the info Foggy
is there a temple to use to make the offer or is it just put it all in e email and send it to my ip ?

Sorry for all the questions I just want to make sure I get it 100% right the first time

If the offer is rejected can you still make a second one or it that it ?

On December 1st I will be starting my 5th year of my IVA with Stepchange My payments are £318 with 12 left But I have a joint 10 year mortgage with my wife on our home and a secured load So I really don't think I will be able to Remortgage So I no ill have an extra 12 months extended on my Iva So on...

Thank you Foggy for all your information