I sent copies of my IVA completion certificate to Callcredit, Experian and Equifax. Within 2 days Callcredit replied saying that they were updating their records but it may take 28 days. However they were happy for me to use their letter as confirmation that the IVA was shown as 'completed' on their...

I have just received my Completion Certficate..Yippee!! Just a quick question, I have the addresses of the 3 credit reference agencies to which I need to send this. But do I have to pay them a fee to update their records? Do they require the original certificate, or are they OK with certififed copie...

It just made me laugh, that it was almost as if they were trying to 'throw' money at me all of a sudden!!!

I paid the last IVA amount at the end of May 2008 and am waiting for the final 'clearance' letter. However, I had to call my bank, as they had written to an old address offering me an overdraft. Also, when I called them, they said that I am now eligible for a loan!!! Do they know something I don't!!...

I'm actually kinda proud of completing the IVA over the 5 years and will definitely tell my new partner soon.

Such a nice feeling to finally put the IVA behind me and look forward to my wedding now!!!!

This is a very interesting point for me. I made my last payment to IVA in May this year and am awaiting the 'debt free' confirmation. But you will be amazed that I kept it to myself throughout. Not my ex-partner (split up 2 years ago), my parents, friends, new fiance (getting married June next year)...

Just remember...

NO PAIN, NO GAIN!!!!

I'll race you to the treadmill and back!!!!

I was going for a run a litte later, but at this rate it may end up being a swim!

What's happened to the summer?!

Sadly I think we are in for a few more weeks of this sort of weather, remember to pack your brolly!

I would return the favour but I can't quite squeeze under the fence.....

On the subject of rain, I'm just waiting for a hosepipe ban next week!!!!

Yesterday next doors puppy, Louie, crept through to our garden, looked me straight in the eye, did his business in the middle of our lawn, and then went straight back under the fence to his own back garden. I ask you, the youth of today, they just have no respect do they? And on a more serious note,...

I paid my last IVA payment on 28 May 2008 and are waiting for final 'clearance' of my IVA to come through. Have actually just started to look to change jobs and am thinking of applying for arole in Barclays bank. Perhaps it's speculative but does anyone think me having been in an IVA will mean they ...

My last IVA payment is due on 28 May 2008.

What actually happens then? Is it a long process before I can say it's actually been completed?