Am I debt free ?

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Yasmin.m

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Post by Yasmin.m » Wed Sep 14, 2016 9:33 pm
Hi i just received a letter confirming my IVA end but I'm worried as there is nowhere on the letter saying Congratulations you are debt free!
Am i debt free or should i start worrying about warning letters again?
 
 

kallis3

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Post by kallis3 » Wed Sep 14, 2016 9:37 pm
Hi and welcome,

If you have completed and have a letter from your IP company saying you have finished then that should be it.
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
 
 

Foggy

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Post by Foggy » Wed Sep 14, 2016 9:40 pm
If the letter says something along the lines that you have completed your responsibilities under the terms of the IVA and that the supervisor is discharged and has no further interest that is the certificate of completion which confirms you are debt free. You should also have had, or it's on it's way, a copy of the final report to creditors.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

Lisa Thomas

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Post by Lisa Thomas » Fri Sep 16, 2016 12:36 pm
It's a standard report that confirms your IVA has successfully completed.

Congratulations!

That's all you need.

You will now come off the Insolvency register here within 3 months:

http://www.insolvencydirect.bis.gov.uk/eiir/

You might find this quick video I made about cleaning up your credit record useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM

Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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