www.iva.co.uk

hi
i have just payed the final payment of my iva yesterday 7th april 2011,i have payed 72 payments in all with the 12 month extension.

i am so pleased that i have completed and cant wait for my certificate to say so can anyone please let me know what happens now.

thanks for all the help over the past months. densbar

Well done - hope your certificate doesnt take to long! Once your IP checks there has been no other windfalls/extra monies etc. he will finalise the arrangement, give the money to the creditors and notify the IVA register, issue the certificate - so can take a few months to do ! Once this is done - IVA closed/finished !!

Soooo pleased for you Denis. Breath a great big sigh of relief[:)]

congratulations denis and very well done.

That is fabulous, the end of a journey, the certificate will arrive in due course. Well done x

Brilliant news Denis - congratulations.

That's great to hear Dennis -- Congratulations !

Yay! congratulations denis

Congratulations - nice to see people coming out the other side

Denis - congratulations. Now wait until your certificate of completion arrives and then write to all your creditors and the three main credit reference agencies with a copy of your certificate asking them to note your records as satisfied and nilling the balances they are currently showing. The defaults will remain on your records for 6 years from the date your IVA started - so in your case they should actually disappear almost straight away !

Enjoy your debt free life !

Congratulations denis.dr and thank you for posting the good news. The forum is such a help to those who are at the beginning of journeys, to hear of someone who has completed is such a boost!

How have you found life in an IVA?

Congratulations from me too, if you've paid for 72 installments your credit file should now be clear, if not get the creditors to delete them as you should have a clear credit file now.

The IP will issue a final dividend and report and once the payments have gone through they should close down the account and issue a certificate and write to the insolvency service to remove you from their online database.

hi julie
i found the iva very hard going at times but i just kept going to work and paying the payments,thanks for the advice[:)]

The main thing is that you got there in the end and you should be very proud!

Hi all,

I too have just made my final IVA payment at long last. A few bumps along the way [B)] but a great relief now the end of the tunnel has been reached [:D] Hope it doesn't take as long to receive my completion certificate.

Good luck to all those who have just started the journey.