Hi all, I just received my completion certificate. Yipee

Get expert opinion. This is the place for new questions to be posted.
11 posts Page 1 of 1
Post Reply
 
 

adad67

User avatar
Posts: 5
Joined: Thu Sep 06, 2007 4:04 pm
Location: United Kingdom
Post by adad67 » Fri Jan 06, 2012 5:45 pm
Quote
Hi all,
I just received my completion certificate today (Yipee) My Last Payment was in May 2011.
How long will the IVA be on my credit file is it a year? and if so s it a year from the last payment or from the completion certificate?
Thanks in advance
Dave
David Burrows
Top
 
 

ginger3232

User avatar
Posts: 2610
Joined: Tue Jan 11, 2011 4:06 pm
Location: United Kingdom
Post by ginger3232 » Fri Jan 06, 2012 5:47 pm
Quote
Adad67 - well done - congrats !!! - 6 years in total (from the IVA start date)
Top
 
 

clee123

User avatar
Posts: 149
Joined: Sat May 07, 2011 4:32 pm
Location: United Kingdom
Post by clee123 » Fri Jan 06, 2012 5:48 pm
Quote
well done!!!!
IVA accepted 31.05.11 and 2 reviews DONE!!! Wow,nearly approaching my third. can't believe how time has flown!
December 2015 - made a one off payment and made a settlement of the IVA!! recieved certificate in May. - all completd and now I can get on with my life
Top
 
 

orchid5

User avatar
Posts: 1814
Joined: Sat Jul 05, 2008 2:37 pm
Location: United Kingdom
Post by orchid5 » Fri Jan 06, 2012 6:09 pm
Quote
FAB, FAB enjoy your debt free life now. xx
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.

IVA COMPLETED August 2012, received Completion certificate 18.4.13.
Top
 
 

Rosepetal

User avatar
Posts: 1304
Joined: Thu Nov 25, 2010 6:04 pm
Location: United Kingdom
Post by Rosepetal » Fri Jan 06, 2012 6:12 pm
Quote
brill feeling isn't it? we kept getting ours out to read it again [:)],well done.
Nothing stays the same...everything changes..hang on in there!
Top
 
 

kallis3

User avatar
Forum Expert
Posts: 77177
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom
Post by kallis3 » Fri Jan 06, 2012 6:16 pm
Quote
Excellent news, really pleased for you.

Your IVA will remain on your credit file for six years from the date of acceptance. You will need to check all credit agencies to make sure there are no defaults registered after the date of acceptance. If so then write to those creditors enclosing a copy of your completion letter and tell them to remove the defaults.
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
Top
 
 

Gina.gu

User avatar
Posts: 688
Joined: Sat Feb 05, 2011 1:52 pm
Post by Gina.gu » Fri Jan 06, 2012 7:26 pm
Quote
Some great news to cheer me up :) well done. Glad you are so happy
Top
 
 

Rod Newman

User avatar
Posts: 310
Joined: Mon May 16, 2011 8:10 pm
Location: United Kingdom
Post by Rod Newman » Fri Jan 06, 2012 7:38 pm
Quote
Brilliant news, well done. Stand tall and be proud of what you have achieved.
Rod
Most day's you feel like the statue but just once in a while you get to be the pigeon!
Top
 
 

Foggy

User avatar
Posts: 33396
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom
Post by Foggy » Fri Jan 06, 2012 7:54 pm
Quote
Great news.

Assuming May 2011 was the 5 year point your 6 year penance will be up this coming May! Make sure all of your default dates are on or before the beginning of your IVA and it will soon drop off of your files.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Top
 
 

herbekj

User avatar
Posts: 553
Joined: Mon Aug 17, 2009 4:09 pm
Location: United Kingdom
Post by herbekj » Fri Jan 06, 2012 8:02 pm
Quote
Congrats.

But what bad service yet again by an IP provider, that's nearly 8 months to issue something that can be done in weeks. Any windfall in that period would have to been passed on to your IP provider and lost to you.
Last Payment - November 2011 - Completion Certificate received 2 weeks after last payment, Removed from Insolvency Register within 4 weeks after last payment.
Top
 
 

molly16

User avatar
Posts: 350
Joined: Mon Sep 03, 2007 5:23 pm
Location: United Kingdom
Post by molly16 » Fri Jan 06, 2012 9:55 pm
Quote
well done , great isnt it we had ours 2 weeks before a very merry xmas. we paid a total of 6 yrs , so we came of register in december and i sent copy of cert and covering letter to all credit ref agencies and they have removed them . They were there for just over 6 yrs ! great feeling , enjoy it .
Top
Post Reply
11 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”