Thanks for the advice - I agree they should speak to an independent advice specialist and have recommended they do that.

Hi - a friend of mine has spoken to me asking if an IVA would be best for them as they know I finished mine lat year and are in a mess financially. To summarise they owe about £24k made up of unsecured loans, payday loans and credit cards and about half the debt is on cards actually in there mothers...

Pleased to say a notice from the court advising they have set the CCJ aside was received today. Happy Days!!!

Virgin Media definitely shows on Experian

Thanks Lesley, it just doesn't seen right that I should still be being penalised. I kind of feel what's the point in entering into an IVA if creditors can apply CCJs 18 months after the start and then no one is there to help get this corrected.

Hi Andy - it may well end up that way , I just don't see why I should be penalised in this manner, are there no regulations about creditors applying CCJ's once an IVA is approved and running?

Any forum experts out there with any thoughts?

Hi a guys after some advice please. I finished my IVA last March after starting in March 2007. I had to wait a long 6 months to get my completion certificate but it came at the end of October 13. I have since been looking at my Credit file and although I was able to get any related defaults removed ...

Is there a way of knowing which banks use which credit ref agencies for their credit scoring process, I want to upgrade my account type with Nationwide and can see Experisn have updated their records since I completed my IVA but not Equifax and CallCredit yet?

I've contacted the IR and initially they have saiid it takes 3 months to be removed, I've challenged this as I've seen other posts on here suggesting it was removed soon after CC arrived?? Any ideas??? It just seems to be a never ending saga!!!

Helpless , just a word of warning to help manage your expectations. My last payment was in April and it was finally closed on 26th of October. GT say it takes 6 months for them to close everything down to a state where your contributions are distributed to creditors. I hope you get yours much sooner!

Mine was the 26th of October so hopefully won't be too much longer now.

I'm pleased to say having got home from work today the completion certificate from Grant Thornton has arrived!!! It's finally all over!! Iim still showing on the insolvency registrar and credit files not updated yet but have to be patient now and hope they drop off over the coming weeks. It's been a...

Have they told you it has been closed with a date? They have told me mine was closed on the 26th of October and I would get all the paperwork within 10 working days! And still nothing. They are a joke and I would suggest anyone entering an IVA with them think very carefully as the 5 or 6 years turns...

Should you be able to get a normal high street mortgage once your iva is complete and credit files etc have been tidied up or will it have to be a specialist lender?