The insolvency register

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flumpy dog

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Post by flumpy dog » Fri Nov 28, 2008 9:27 pm
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Good evening all lovely forum members-hope youre all well x
starting to feel a bit better-have had a ton of support this week from the lovely peeps at melanies office regarding my incessant creditor calls.
barclays are the funniest because they do lots of 'silent calls' which is good because then i dont have to talk to them ! [:D]
Anyway enough gassing ! the question i was hoping to ask was i noticed lots of posters mention a full and final offer i was just interested-although your credit is still bad for 6 years do they still have to be on the insolvency register -just curious [:o)]
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MelanieGiles

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Post by MelanieGiles » Fri Nov 28, 2008 9:31 pm
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I am afraid so FD. It is 6 years on the insolvency register whether you clear the IVA in one year or five.
Regards, Melanie Giles, Insolvency Practitioner
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flumpy dog

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Post by flumpy dog » Fri Nov 28, 2008 9:34 pm
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thanx melanie it was just to satisfy my own curiosity.
ps heard you were away hope you had a lovely time ! and thanx again for your help and angela and samantha-shes been so nice to me [:D]
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MelanieGiles

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Post by MelanieGiles » Fri Nov 28, 2008 9:35 pm
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A great time thanks - and your file is in my briefcase for weekend homework! I may well give you a call over the weekend if that is OK.
Regards, Melanie Giles, Insolvency Practitioner
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flumpy dog

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Post by flumpy dog » Fri Nov 28, 2008 9:40 pm
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yippee ! [:D]
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kallis3

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Post by kallis3 » Fri Nov 28, 2008 9:50 pm
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I thought you came off the Insolvency Register as soon as your IVA was completed.

Did you mean the credit records Melanie?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Lisa2009

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Post by Lisa2009 » Fri Nov 28, 2008 9:51 pm
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Melanie, Jon's name was removed from the insolvency register after his F&F had been accepted.
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


Nil carborundum illegitimi
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Adam Davies

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Post by Adam Davies » Fri Nov 28, 2008 9:52 pm
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Hi Mel
Are you sure ?
I am pretty certain that the IVA will come off the Insolvency register once it is completed, so in a full and final this would be once the payment had been made to the creditors.
I think you are thinking of a persons credit file, not the Insolvency register
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Andam Davies
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Skippy

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Post by Skippy » Fri Nov 28, 2008 9:55 pm
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I thought that once your IVA was completed your name comes straight off the insolvency register, but the IVA stays on the your credit file for 6 years?
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MelanieGiles

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Post by MelanieGiles » Fri Nov 28, 2008 11:24 pm
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Sorry everyone - I'm still obviously suffering from nitrogen narcosis after my recent diving holiday - removal from the insolvency register is immediate - but not so from the credit records!
Regards, Melanie Giles, Insolvency Practitioner
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flumpy dog

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Post by flumpy dog » Sat Nov 29, 2008 12:28 am
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thanx all for answering x -youre all very good to me.
im glad really, but i dont ever want credit again ever -its cash all the way now -when i get some that is ! [:p]
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Lisa2009

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Post by Lisa2009 » Sat Nov 29, 2008 12:53 am
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LOL i even went on to the insolvency register to check hubby had been removed, thought i was going doo lally
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


Nil carborundum illegitimi
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flumpy dog

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Post by flumpy dog » Sat Nov 29, 2008 8:20 am
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hope youre ok mrs skint x
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pixie

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Post by pixie » Sat Nov 29, 2008 9:22 am
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phew!! I'm looking forward to not being on there much longer [:D] ... hopefully!!
being on there is much worse than an inch in the local rag.
Pixie
'Welcome to where ever you are, this is your life you've made it this far, welcome, you've got to believe right here right now is exactly where you're meant to be'
IVA started may 07 ended dec 08
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flumpy dog

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Post by flumpy dog » Sat Nov 29, 2008 10:05 am
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well done pixie x
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