www.iva.co.uk

Holiday.
Our last payment was made in March, we know it will be some time before we receive our CC but I am scared to spend the extra cash each month, I have just booked a week away in October ,am I jumping the gun ?, as we are both in our late 70's it is nice to have something to look forward to at last. What do you think ?.

Lives too short! Go for it and enjoy!

Hi and welcome,

No, you're not jumping the gun as you have finished - enjoy the holiday!!

Has your IP confirmed no further payments are due eg for any extension for equity etc?

If there's nothing else to do then personally I would start bothering them to close the case.

They have until September before a formal complaint would be considered/upheld but it really doesn't take that long - it should have been closed already.

As Lisa says, I would be worrying them for the certificate, if the IVA has, in fact, finished. Was equity addressed ?

Cleardebt sent me a fifth year review saying no further monies were due, we rent so have no equity, they cancelled the direct debit, aperture say they have to do an in depth review so it maybe 10 months before we get the C C,s as the new I P has got an extension to The iva,s they acquired from cleardebt hence more waiting.

Are you sure the reason for the extension is purely the closure process and not something else, for example PPI?

As I suggested, your case should already be closed. I would ask them for a full explanation as to the delay and make a complaint.

Lisa knows her stuff, I would take her advice, get chasing them for closure and most of all, enjoy your holiday, you deserve it.

We have signed deed of assignments for PPI and packaged bank accounts last year following cleardebt,s mass variation meeting. The letter we had from cleardebt in February said as we are coming to the end of our I V A they required three months bank statements p60,s etc these were sent then in April we got the letter which contained our 5th year review .Aperture told me in April it would take a few weeks to go into closure, five weeks later I was told it would take 6 to 8 weeks to get into closure. Then 6 months to complete.

Book the holiday and enjoy yourselves and good luck for the future

Thank you all for your advice. Does the worry ever end ?

I hope so as I'm only a couple of months away,although I keep getting that feeling in the pit of my stomach that something is going to go wrong

Update completion cert., by email today hip hip etc.,thanks to everyone on the forum for your advice and support it has been invaluable kept me going from debt pit to debt free, best thing we ever did, I don't know how to celebrate maybe change the holiday from a week to two.cheers everyone.

Great news Freda - really pleased for you and enjoy that holiday!

Thanks kallis, I still can't believe it, thank you for your support.