Angie thank you for your reply that has been very helpful hope to get in touch with someone today when I first did the IVA nearly 6yrs ago It was easy to get hold of someone straight away in my IPs office but everything has changed different people will keep you posted m_w

I finished my IVA in January 2007 fully satisfied obtained my credit report from Equifax who tell me an IVA is not legally binding I have 3 accounts with outstanding balances which were included in the IVA and they have registered defaults on them in August 2006 even though I have my certificate of ...