Update from Buttercup

[buttercup]

Hi everyone

I am sorry for not posting for so long. I have had a few peeps on the board but got so behind on posting.
Firstly congratulations to those who have had their IVAs approved & to those who are waiting best of luck.
Since my IVA was approved I have moved on & still website training & unfortunately developed awful RSI in mouse hand but getting better.

Well last week was kind of special as I have just received my certificate of completion of my IVA & I am no longer insolvent. This feels as almost as good as on April 10th when my IVA was approved.

I must praise my hubby as he has been a godsend that have supported me financially, emotionally & mentally through what can only be described as a terrible nightmare. Also my sister & best friend who also helped me out financially. These 3 people are who helped me get through.
Also my thanks go to Melanie & her team, Tina, Angela & Sarah, Liz & Laura plus all the others; I certainly would not have got through with out their expertises and support. My IVA went as smooth as it is possible, it was not straightforward but where I felt I really pushed ahead was meeting Melanie at her offices & I also met Sarah who ran my creditors meeting. This was a huge advantage to me putting faces to people. But also it was sitting down with Mel & thrashing out what was best for me. I can not emphasise enough the benefit of a face to face meeting for me it was the success tool so if you can please make the effort to get to see mealanie , you will not regret it.
Well I am getting on with life great, still live with the terrible guilt of what I did & I do not think that will subside until I am straight with my sister, best friend & made up for the huge financial loss I incurred.

Onwards & upwards as always.

1 question do I have to send my certificate off to the credit agencies if so who? & how long will my name stay on the insolvency register?

Kathy[:)]

[MelanieGiles]

Firstly well done to you for succcessfully completing the IVA, and to those who have helped you out financially along the way.

Secondly, your name will drop off the insolvency register over the next couple of weeks. You do not need to send the Certificate to the credit referencing agencies, but if you do it might help to speed up the registration of an IVA completed.

Good luck to you and please continue to post on the forum when you have some spare time.

[Viki.W]

Hey Buttercup, nice to see you back on the forum. BIG congratulations from me. Wise words, I met Melanie and Angela and Sarah and it certainly makes a difference to talk face to face. They are a great team and I'm so glad they have helped you to move on with your life. Good luck for the future. X

[buttercup]

Thank you very much.
which credit reference agencies do I need to send my certificate to please?

[Viki.W]

Experian, Equifax and Callcredit. I don't seem to be able to paste the details into this post but if you have a look at thread entitled "credit agencies" all the details are there. X

[buttercup]

Andy

when you get a momnet could you put the link to the thread for credit aganecies as I have tried to have a look but not found it yet.

[kallis3]

Congrats on finishing your IVA. Great news!

[Viki.W]

Experian Limited www.experian.co.uk 0870 241 6212
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF

Equifax www.equifax.co.uk 08705 143 700
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US

Callcredit PLC www.callcredit.co.uk 0870 060 1414
Consumer Services Team
PO Box 491
Leeds
LS1 1WZ


There you go Buttercup. X

[buttercup]

Thanks Viki

[Lisa2009]

Nice to see you back buttercup. Well done, you have come a long way.
Enjoy your debt free future now xxxxxxx

[buttercup]

Thanks Mrs K. could not have done it without this board. The support, inspiration & help I recieved was second to none.

[Skippy]

Congratulations Buttercup, and good luck for the future x

[debtmountain]

Congratulations from me too, Buttercup

[Shining]

Good luck for the future from me too x

[buttercup]

Many Thanks to you all xx