I was with StepChange and finished my IVA mid January. For my final review I was asked to provide my most recent payslip and most recent P60, no income or expenditure info was needed. If it helps to know the timelines at all my last payment was on 2nd Jan, I received my completion certificate on 24t...

Going to give him a call now! Would you believe it I’ve had an email from aperture and they’ve sent me my completion certificate! Feels amazing 6 of the hardest years over. Just a few loose ends to tie up with bpf having a wrong default date then my file should be squeaky clean. Emailed insolvency ...

Sat Jan 18, 2020 4:16 pmkallis3 wrote:

Your credit record will be shot for six years from the start and/or until you get your completion letter. You could look at a secured loan but I would suggest speaking to either Ryan or Shaun who are our mortgage experts to see if they can help you.

Thank you for replying

Look at this from the creditors point of view ----- you were unable to remortgage and so had to extend, but now, still technically in the IVA, you can remortgage. If this did happen the IVA could call on the released funds, so not a safe option until such time as you get the completion certificate ...

<t>My husband and I entered an IVA in January 2014, this was extended for one year as we couldn’t (and didn’t want to) remortgage. Our final payment was paid on 2nd Jan 2020, we’ve received a letter confirming that a final review has been completed and no further money is due. I’ve spoken to them an...