I have a vanquis card, and within a relatively short period of time now have a £2,250 credit limit (not that I intend using it). I buy everything on it and pay it in full at the end of the month. It is the piece of mind I missed during my iva. As already mentioned the interest rate is irrelavant as ...

I had a notice of correction on my credit file with Equifax after my correction but rang them and it was taken off in a couple of days, I just said that they had no right to enter such information without my authority.

I think it depends when you took out the iva and what you agreed at the time you took it out. the few times I had overtime I was told it would be reviewed at my annual review. Each year I would just have to send my P45 and 3 months payslips, but I think it has tightened up somewhat.

Good luck. After all the waiting I was actually quite disappointed when I got my certificate as I was kind of expecting a real certificate lol. That piece of paper is so special though and will eventually be framed. Good luck everyone with with your own journeys

My last payment was in April 2012. Although i have only just received my completion certificate I did receive a letter stating that I had made all the payments - ask your case manager for this if you think you need it - know its not the magic certificate but at least you have proof all the payments ...

Thank you all very much, really appreciate your advice.

I have finished my iva, and have just received my compleition certificate. Looking at my Noddle Credit file, I only have one old outstanding account which is stating that I have an Arrangement to Pay but the balance is £0 from October 2011. It gives the account start date as 26.04.96, with a regular...

Finally my completion certificate has arrived [:)]

Just want to thank everyone here and also Payplan for making it possible for me to be finally debt free. I know I havent posted much but I have been a regular visitor.

Again thank you

Contact them via email through payplan plus (previously Justabank). I've used it recently and got a reply within 24 hours.

Thank you for your post Gemma, at last some good news for the new year. Dare I ask what are the timescales for sending the completion certificates out or is it just as fast as you can? I for one have had my little grumbles about not receiving the certificate but at least I now only have a month or s...

Same as Dunkynuts I have hired quite a few cars from Enterprise with no problems at all.

No I didn't know it was happening thats what I am annoyed about, my iva finished in April so how can they still be charging for meetings. I too got a text about a creditors meeting but it didnt say who it was from so i deleted it as when I tried to reply my phone blocked it saying it was coming from...

I had the same meeting, slightly annoyed that they couldn't even be bothered to inform me of the variation meeting - so much for communication! I am wondering if they have claimed PPI on my behalf because I choose not to claim as it was just before my completion date that I received the letters.

I've got the same letter but finished my iva in April. Obviously a job lot!

I finished my IVA early April. I have spoken to Payplan a couple of times, firstly I was told 3 months for closure, then another 3 and now its that they can't give me a date. Having said that after speaking with my case officer I have got a letter stating that I have made all my payments so at least...