IVA will be live on your credit record until six years are up and will take up to three months to come off the Insolvency Register.
Check your credit records on all three agencies to make sure that no defaults are registered after the date of the original IVA and if they are still showing then the creditors need to have a copy of your completion letter and told to taken them off.
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
Critical thing we have found is that the free cash does not make us better off - you find out where some adjustment or savings had been pushing the boundaries.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
Congratulations. After I had received my CC I did nothing. Sat back and just waited for the 6 year 'anniversary' plus 2 months to allow for the slow creditors. To be honest, other than take steps to increase my credit score (after the 6 years were up and my reports were all clear) I was lucky enough that no action was needed by me to clear anything.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
