We completed our IVA in August (last payment). We were told it would take approx 3 months for us to receive the completion certificate after the creditors had made their claims.
2 months later in the middle of October we received out completion certificate.
We are with DFD. x
Its now time to start living and to make some some wonderful memories!
Read my blog at http://flow13.blogs.iva.co.uk/ 'Aiming for the finish line'
I am afraid ours was a long haul - 6 months altogether but that was mainly down to 2 creditors not making a claim and having to be chased up.
Flow 13 - so pleased to hear that you received your completion certificate and after only 2 months. I hope you had a good celebration!
There really should be limits as to how long creditors have to claim,after all the iva will have run for several years to completion normally so theres no excuse for not knowing who wants a share of the spoils.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
I dont understand why companies are not chasing up creditors prior to the estimated completion date? seems a bit silly if a creditor hasn't claimed for 4 1/2 year that 3-6 months prior they are not contacted and told to claim!
*edited because my spelling was attrocious!![:D]
Last edited by artemischild on Tue Nov 22, 2011 7:01 pm, edited 1 time in total.
IVA completion and certificate received 08/10/2012!!!
I reckon that by the start of the final year they should have put their claims in otherwise that's 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
The IP has the details and the amount owed at the inception of the IVA. All needs to be done at the end is send out the agreed dividend, pro rata, to each creditor, whether they ask for it or not, and that's the end of the matter. Job Done.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
