Have a completion certificate but can’t really do anything with it while the Iva is still a marker on your file, need car for work but it’s costing in repairs, built my credit history up with credit builder cards , loqbox and Cashplus using ClearScore but no access to car finance till another 6 mont...

Still getting phone calls from various debt collection companies 2 month after receiving my certificate of completion, being on the Iva register for another year doesn’t help, it’s like it’s still hanging over you even though you’ve completed it and looking at your credit score online it’s still lik...

Yes it’s no change on the insolvency register , just saying set aside on the credit report from when the certificate was issued, will keep an eye on it

Now received our completion certificate , and on our credit report it is marked as set aside and not complete is there a difference?

Thanks for the replies this forum is very helpful, after this last five years and more it’s slow and steady for now but being able to breathe easier for now

Finally received our completion certificate today , 5 years and 4 month since we started, it’s been tough a lot tougher than we realised but we knew it was worth continuing with, still in shock but a happy shock , good luck to everyone out there at the beginning or in the middle stick with it it doe...

Thanks for reply I can wait but not sure why it takes so long for certificate and why we are still paying when it began in October 2015

Thank you will keep you informed

Yeah it just seems to be dragging on since what we thought was the end in October 2020

Iva been going since October 2015 never missed payment always done reviews , not had notice Iva is ending anytime soon from IP but getting creditor letters just confused and stressed now sorry to bother you.

Just seems up in the air when we thought we’d be done now yet still paying since October 15 , would like to know when our end date is but difficult to get answer from IP who probably due to COVID is not replying

Listing my current debts and what’s owed and how to pay them , we’ve been paying since October 15 very confused

My last payment I believe was December 2020 (no confirmation) never missed a payment, been paying since October 2015 , renting,

Been on Iva for 5 years believe we’ve made last payment but not getting told it’s ending and now received creditors letters what to do ?