After this certificate has been issued you are released completely, save for any PPI which might surface in the future (but there is a fast approaching deadline for that anyway). Am I right in saying, so long as the PPI wasn't arranged before you entered an IVA? They can still scour for this, if it...

kallis3 wrote:

PPI.

What's PPI?

Yes they can take it into account as it was an asset before your IVA. Once you have your completion you will come off the Insolvency Register within 3 months and, from your credit records it will be removed once your completion letter is sent to the agencies - you need to keep an eye on default dat...

Even if iva f&f agreed the iva will remain on your credit file albeit it shown as closed for the full 6 years since its start date. The only benefit to a f&f is that you have your income back without restriction. Hi Luluj, Thanks for your reply. I am not really interested in how long the IVA stays ...

kallis3 wrote:

Have you asked for a full and final figure and not a settlement as the latter requires you to pay off your debts in full not the IVA figure.

Good luck on the 15th

No, we haven't. We have offered them 100% of the outstanding IVA figure.

Even if iva f&f agreed the iva will remain on your credit file albeit it shown as closed for the full 6 years since its start date. The only benefit to a f&f is that you have your income back without restriction. Hi Luluj, Thanks for your reply. I am not really interested in how long the IVA stays ...

<t>Hello. <br/> I am very new to this Forum and this is in fact my very first question. I have been in an IVA for just over 2 years now and I have just requested a variation for early settlement. A friend of the family is offering to pay THE FULL AMOUNT left on the IVA (not the original debt amount)...