www.iva.co.uk

Hi, just after some advice please. We completed our IVA's back in September but are still waiting on the completion certificates. We phone them regularly and just keep getting told that they are doing the VAT returns and to phone back next month. Is it normal to wait this long?
We are desperate to get our credit files cleared so we can see if its possible to move home.

Thanks

Vikki

Hi - unfortunately this is a problem at the moment due to the PPI and VAT issues. You are in a long line of people who haven't had their certificates and some have been waiting well over a year.

You will just have to be patient.

The IVA will be on your record for six years from the date of acceptance so it will still be on there.

We actually had our IVAs extended so made payments for a full 6 yrs to start off with, the IVAs itself has dropped off our credit files already but they wont remove the loans etc that were covered under the IVA without the certificate.

Thanks for your reply

Once you get that completion letter then contact any creditor that has defaulted you and tell them to remove defaults after the date of original acceptance.