Hi, I was with Aperture and my CC took 18 weeks, then another 3 months to come off the insolvency register. Yours may be quicker but potentially you could be looking at up to 9 months from your last payment to coming of the register. Unbelievable I know but some people wait longer. My advice would b...

Please try not to worry, ultimately your IP is there to help you. Worrying about payments doubling etc is fruitless. Complete your annual review honestly and as accurate as you can then wait for the outcome. If your own personal circumstances haven't changed then neither should your payments. If the...

Congratulations Stanley2018. Please may I ask who your IVA was with? I’m trying to gauge howling various firms are taking. 5 months must have been dreadful (though I know others on here have been longer). I’m 2 weeks in and already pulling my hair out and running to the door when pasty delivers. My...

Hi! It’s been a while since i last posted here. And now, only nine months to go and the 6 years+ in iva will soon be over☺️(3months break+12months extension) I would like to ask, what happens at this stage? Do i need to send final I&E? Wait for iva company to tell me what to do next? Last payment i...

I was living with my ex partner for 6 years and being young and dumb i thought i was in love and would do anything for her, she worked mainly with horses so only ever made a little cash in hand and never really wanted much. After about a year of being together we decided to get a place (renting) bu...

12 x220 .. so an offer should be based on £2640. As you are only shaving a year off of the term the creditors will not be making much in the way of admin savings, so there is little scope to reduce this figure by much. Also these offers take a few months to get through, so mention that you will be ...

Hi to everyone. So today is the day!. Received my long awaited completion certificate and what an amazing feeling I'm absolutely buzzing! ! Six years of payments and a five month wait for the CC. My financial life begins now.And to all those in IVA'S it's a long road but we'll worth the struggle. ! ...

I have paid off my iva in march with aperrure and was told it would take 6 months to sort out it has now been 8 months and still no completion paperwork.i called them and was told they cannot give me a completion date as one of my debts in disputing payment.? What can o do to get this sorted out im...

My last payment number 72 left my IVA left my bank on the 1st August - I recieved my completion certificate yesterday just less than 3 months later with no issues - along with this was a letter of congratulations a brief on what to do next / how to clear up your credit score what to expect when you...

How to you recover credit score wise from an IVA? I’ve finished my IVA earlier this year by offering a full and final settlement. I entered my IVA 1 year previously. All my accounts are still in default and some have outstanding balances attached which I am trying to work through and get cleared. D...

How to you recover credit score wise from an IVA? I’ve finished my IVA earlier this year by offering a full and final settlement. I entered my IVA 1 year previously. All my accounts are still in default and some have outstanding balances attached which I am trying to work through and get cleared. D...

I finished mine after 6 years but don't own a property.

Which company are you with buddy? ?

Topics merged My iva experience was pretty straightforward. 72 payments and other than waiting for it to be officially closed to be debt free after all the years of debt for me it's worth the wait. And this forum has been invaluable in regards to a speedy closure. So much so that as a debtfree rewa...

should be a maximum one month closure time frame allowed for the iva firms to complete iva's.