Thanks for a quick reply you have put my mind at rest. My account was all done in a week am so pleased.

Hello everyone. I was recently in a Iva and used the forum for answers. all completed and needed a current account to move forward. My current bank refused to do a switch as it was a basic bank account. I opened a current account with NatWest and one of my debts was with the them. Will they pursue m...

So pleased to receive my completion certificate after a long 6 month wait and did a full and final settlement in December 21 with sprout loans it’s so nice not to have to do the reviews every year without the Iva I wouldn’t be this far and would of never been able to clear my debts. No more debt nev...

Hi , I’m not a home owner and got accepted best thing I’ve done , there’s no harm in trying

Thank you Foggy don’t regret coming out of my Iva early , can’t wait for my certificate.

Thank you Foggy it’s nice to hear from the experts, it’s nice to know any overtime I can keep ,,,yay !!
So until I get my completion certificate my name won’t be removed from the register ?

Hi all again,,after doing a f & f settlement and moneys all paid
Just a couple of questions I would like to know , my direct debit has stopped and Iva app is no longer active , how soon do restrictions stop and I have to adhere to the Iva rules ?

Thank you , it goes to show just hang in there and the end will come

Merry Christmas to you too and every one on the forum 🥳🥳

Hi guys ,,,Done a F& F settlement with sprout loans and got accepted ,,,can’t believe how happy I was is a understatement I could of cried with joy when I heard the news ,,,just in time before my review was due It was settled on the 13 th December all moneys paid over and I noticed on my credit repo...

Hi all again ..so far waited nearly 3 months to get as far as a virtual creditors meeting to put forward my f & f offer 6 th December 21 so after this months Iva payment I will only have 15 months left .so wonder if it’s worth it ….loads of paperwork and fees lol
Very anxious moment.

Thank you for reply , I only got my credit report to see what was on there as was currently dealing with sprout loans …after reading some of the topics I’m not sure I will get accepted , I won’t be disappointed if I get rejected but at least I’ve tried In two weeks time I will only have 17 months le...

Hi thanks for your quick reply..it was dealt through step change she never had any paperwork from the dro or ip which I find very strange It was a slow going right from the start , but checked the register a few days later to find it had gone through and excepted and checked on the 18/9/20 a Will ge...

Thank you for that I will phone my ip and make sure they take the payment holiday off , i took the payment holiday as I panicked I wouldn’t have enough coming in , I can see the review on the online portal

Many thanks for your help..stay safe everyone.

Thank you for your reply’s I spoke to a lovely lady about my concerns and was told of the date my Iva finishes ...and not take the online account I log into On freeman jones ( it lists documents and payment amount ) too much to heart , my paper work for the repeat review is in the post .. I think br...

I was put on 6 years due to my income and expenditure when the meeting took place I had to accept it for it to go ahead , my yearly earnings are less than 10.000 and benefits due to pip , can’t believe they take pip into account when working your earnings , they didn’t the first year until it got to...