Hello all - its been a while since I have been here and (in a nice way) I was hoping to never come back again! However I am looking for advice. My IVA started in April 2017 and a full and final was accepted in 2019. ALL of my creditors (Including Barclays) were included and my debts paid off. Brilli...

The IV started in Nov 2017, so will be on your credit files until Nov 2023. This is what is killing your credit score. Whether the defaulted accounts show as settled / partially settled or closed will make little difference. Have a read here for background info: https://www.iva.co.uk/what-does-an-i...

The IV started in Nov 2017, so will be on your credit files until Nov 2023. This is what is killing your credit score. Whether the defaulted accounts show as settled / partially settled or closed will make little difference. Have a read here for background info: https://www.iva.co.uk/what-does-an-i...

Hello - hopefully this will be the last time I need your guys help! So far you have been amazing so I have one final question/query. I am aware that it stays on my record for 6 years etc however............. My IVA completed on 18/03/2019 - this was early as with an F&F. (Started on the 7th Nov 2017...

Hi Katie As said already, all the accounts which were included in our IVA had dates around the time we started IVA so they disappeared from our credit report. only accounts on there now are what we have...current account, a credit card, mortgage, the loan we got for equity release and mobile phone ...

Hi! This is brilliant to hear well done! I am just waiting for mine to come through the post so I can start improving my rating also! I got my completion certificate in April! May I ask what you mean by "Have gradually seen credit score rise and defaulted accounts fall off." Where can I see mine "fa...

Hello... Me again!! Barclays are making a come back and are leaving a voicemail every other day saying I need to contact them urgently. They were one of my creditors. My completion certificate has come and all I thought all is sorted. I have sent my certificate to all 3 credit agencies so they can u...

Oh really Kazza? Good to know and yes - in that case, bring on more of those letters!

Thank you very much for responding

Super duper - great stuff! Good to know.

Thank you as always Foggy

Hello all! I am back briefly to say that I have received my Completion certificate etc and am still bouncing off the walls! Wahoo! However I have received a letter from an old creditor ((one that was included in the IVA)) - saying I am still in arrears. The letter says that I have made a payment (th...

Well a very very very good morning to you all. This is just to update you all that my F&F has been accepted (a couple of days earlier than expected meeting date) - and I honestly am so incredibly grateful for all your support and advice as I will be very honest in saying that if you hadn't all ralli...

Fingers crossed!! Thank you very much Kallis! They have sent the report today for the meeting to be held on the 20th march at 11am!!! ((And counting!!)) This actually now makes me truly believe that my original meetings were never held as I never got any of this paperwork before! Despite asking for...

It would not surprise me if they did read this forum --- and of course your forum name will give away who you are. I am pleased that they do and that they appear to act on some cases presented here. It would be very useful if they had a representative here who could assist forum member who are thei...

Creditfix cannot 'overturn' a creditors decision, although they can try and convince the creditor to change their vote. Hi Lisa, Me again - coming back to this. I am due my annual review any time now and based on the result of that I am then hoping to offer an F&F - again! My father still has that ...

Lisa Thomas wrote:

I'm not sure you will be able to get a new car on credit, even if you finish your IVA early. I suspect you will still have to wait for the 6 year anniversary to pass.

Walking to work it will have to be then!!!

Thanks Lisa!