I have finally now received my completion certificate after making last payment June 2013 !!

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chickpea

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Post by chickpea » Sat Oct 18, 2014 2:21 am
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I have finally now received my completion certificate after making my last payment in June 2013!! They say that I should now send this to all 3 credit company's. I note however that after 6 years it is all removed from your credit file anyway. As such should I still send or was this advised to cover technically the last year or so?
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luluj

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Post by luluj » Sat Oct 18, 2014 6:27 am
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It is worth sending as they will ensure your defaults are removed too ...well done and enjoy your debt free life !
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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relieved33

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Post by relieved33 » Sat Oct 18, 2014 8:12 am
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Congratulations!

Enjoy an officially debt free Christmas!
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Foggy

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Post by Foggy » Sat Oct 18, 2014 9:45 am
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Hi Chickpea --- the credit reference agencies will only remove it at 6 years if they are aware that it has been formally completed. If they think it is still active it will remain on file for ever.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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