Hi all, I haven't been on here for quite some time but see some familiar faces. I did a full and final on my IVA quite a long time ago. But officially my IVA finishes today! Can't believe it.
However I realise it will be on my record for another year at least. So what do I do now? Or do I do nothing until next year? Then does the work start?
Any help would be really appreciated.
Fiona
"It is never too late to be what you might have been"
Fiona
Brilliant news! Just check your record to make sure that there are no defaults registered after the original IVA start date and, if there are, then contact the creditors with a copy of your completion and get them to remove them.
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
Thank you both. Another year to wait then but I can do some work on my credit record in the meantime it sounds Kallis3! I remember you from my time here, you were always brilliantly helpful!
Thanks Lisa I will have a quick look at that video. Much appreciated
"It is never too late to be what you might have been"
Fiona
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
Well that's interesting, I got all the credit reports online today. Call credit is showing defaults after my initial IVA meeting date so I need to rectify that. They are all showing the Insolvency on the record but I did a full and final a long time ago, should this not be removed from them all? I understand that my credit is shot, but surely the involvency if over should be removed?
Would love to know! Thank you!
"It is never too late to be what you might have been"
Fiona
As I said you will need to wait until the 6 year anniversary mark has passed - after that date the defaults should drop off automatically but if they don't you can get the creditor to remove them.
oh no I understand about the defaults, but the defaults are after June 2011 which they shouldn't be should they?
And also my involvency is still on all of them, but if that was over with a couple of years ago should that not be off? Sorry I am not very up on all this. I did a full and final fairly early on.
"It is never too late to be what you might have been"
Fiona
They should be marked back to the start of the IVA.
Your IVA will remain on the credit record for the full six years from the start but it will be off the Insolvency Register.
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
ah ok Kallis3 thank you. So it will be on the record anyway for 6 years whether completed or not. I will try to work on the default dates. Thanks for your help, I don't know what I would have ever done without this board and the fabulous people on it.
"It is never too late to be what you might have been"
Fiona
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
yes, it was the best decision we ever made but it has been a very long 5 years, I think the worst is when something goes wrong like a washing machine or something, then you either need to save, beg or borrow.
"It is never too late to be what you might have been"
Fiona
Well done .... re the defaults ask that they are amended to the start date of your iva - where they won't amend them keep going at them ..they have to.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
