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Posted: Thu Apr 30, 2015 1:49 pm
by justme123
today is the last ever payment of our IVA!!! i could (and will later) cry with my husband after over 5 long very very hard years. Our IVA company have been fantastic and we have not had any problems with them. i just wondered how long we wait for our certificate if anyone can help?? This has been the hardest 6 years of our lives not just for us but for our 2 children also. i have always dreamt of this day and its finally here
Posted: Thu Apr 30, 2015 2:19 pm
by Foggy
Well Done!
How long the final administration takes is, largely, down to who you are with. Some are taking a few weeks to a couple of months, whilst others are taking 6 months to a year.
Posted: Thu Apr 30, 2015 4:33 pm
by Michael Peoples
Congratulations from me too and do not stress about the certificate. Some firms are quicker than others but given that your IVA has run the course there should be no reason for any delay.
Posted: Thu Apr 30, 2015 4:49 pm
by MrsR
Hi Justme,
Congratulations on making your final payment !!
I think it depends on the company with regards to speediness of completion certificates coming out.
We are with Creditfix and we made a Full and Final payment on the 10th April, and have this afternoon received our certificate, so 20 days wait for us.
You could call the closures department in a couple of weeks to ask, if they have not contacted you by then.
Posted: Thu Apr 30, 2015 6:57 pm
by relieved33
Congrats! Enjoy your debt free future!
Posted: Thu Apr 30, 2015 7:37 pm
by MerlinL14
Congrats justme 123. It really is a great feeling isn't it? Just chill on the CC, as has been said can be over 6 months or as little as 6-8 weeks.
Posted: Thu Apr 30, 2015 7:37 pm
by mole
I bet it feels great justme, it will probably feel even better next pay day !!!
Posted: Thu Apr 30, 2015 8:54 pm
by luluj
Well done ... enjoy your new debt free life
Posted: Sun May 03, 2015 8:08 am
by ashb
Congrats
I ensured I signed the Deed of Assignment, paid a last minute 7k PPI payment and got my CC in 6 weeks
Posted: Sun May 03, 2015 9:28 am
by Eggs are ace
great news!
Posted: Sun May 03, 2015 10:13 am
by plasticdaft
Well done on completing the iva marathon. Tough going at times but worth it in the end.
Take time to enjoy your new found spare cash but make sure you use it wisely,I'm sure like myself many harsh lessons have been learned during the iva!!
We still account for every penny coming in and out our account.
Well done.
Paul