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Posted: Fri Nov 28, 2008 9:27 pm
by flumpy dog
Good evening all lovely forum members-hope youre all well x
starting to feel a bit better-have had a ton of support this week from the lovely peeps at melanies office regarding my incessant creditor calls.
barclays are the funniest because they do lots of 'silent calls' which is good because then i dont have to talk to them ! [:D]
Anyway enough gassing ! the question i was hoping to ask was i noticed lots of posters mention a full and final offer i was just interested-although your credit is still bad for 6 years do they still have to be on the insolvency register -just curious [:o)]
Posted: Fri Nov 28, 2008 9:31 pm
by MelanieGiles
I am afraid so FD. It is 6 years on the insolvency register whether you clear the IVA in one year or five.
Posted: Fri Nov 28, 2008 9:34 pm
by flumpy dog
thanx melanie it was just to satisfy my own curiosity.
ps heard you were away hope you had a lovely time ! and thanx again for your help and angela and samantha-shes been so nice to me [:D]
Posted: Fri Nov 28, 2008 9:35 pm
by MelanieGiles
A great time thanks - and your file is in my briefcase for weekend homework! I may well give you a call over the weekend if that is OK.
Posted: Fri Nov 28, 2008 9:40 pm
by flumpy dog
yippee ! [:D]
Posted: Fri Nov 28, 2008 9:50 pm
by kallis3
I thought you came off the Insolvency Register as soon as your IVA was completed.
Did you mean the credit records Melanie?
Posted: Fri Nov 28, 2008 9:51 pm
by Lisa2009
Melanie, Jon's name was removed from the insolvency register after his F&F had been accepted.
Posted: Fri Nov 28, 2008 9:52 pm
by Adam Davies
Hi Mel
Are you sure ?
I am pretty certain that the IVA will come off the Insolvency register once it is completed, so in a full and final this would be once the payment had been made to the creditors.
I think you are thinking of a persons credit file, not the Insolvency register
Regards
Posted: Fri Nov 28, 2008 9:55 pm
by Skippy
I thought that once your IVA was completed your name comes straight off the insolvency register, but the IVA stays on the your credit file for 6 years?
Posted: Fri Nov 28, 2008 11:24 pm
by MelanieGiles
Sorry everyone - I'm still obviously suffering from nitrogen narcosis after my recent diving holiday - removal from the insolvency register is immediate - but not so from the credit records!
Posted: Sat Nov 29, 2008 12:28 am
by flumpy dog
thanx all for answering x -youre all very good to me.
im glad really, but i dont ever want credit again ever -its cash all the way now -when i get some that is ! [:p]
Posted: Sat Nov 29, 2008 12:53 am
by Lisa2009
LOL i even went on to the insolvency register to check hubby had been removed, thought i was going doo lally
Posted: Sat Nov 29, 2008 8:20 am
by flumpy dog
hope youre ok mrs skint x
Posted: Sat Nov 29, 2008 9:22 am
by pixie
phew!! I'm looking forward to not being on there much longer [:D] ... hopefully!!
being on there is much worse than an inch in the local rag.
Posted: Sat Nov 29, 2008 10:05 am
by flumpy dog
well done pixie x