Hi,
I'm a little confused as to the time scale of being debt free after an IVA. Some companies are saying 6 years after the start of agreement, others are saying 6 years from the end of agreement.
You will be debt free once your IVA completes which is normally 5-6 years. Your credit file will be clear 6 yeras after the IVA started irrespective of the length of the agreement.
Michael's advice above is, of course, dependent upon the issue of the completion certificate, and the correct dating of any defaults. Useful guide here:
The 6 years after the end of the agreement possibly comes from the fact that several mortgage lenders apply this time limit on mortgage applications. This is a purely arbitrary time chosen by some lenders.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014