www.iva.co.uk

Hi all

I received a letter today with a document attached that reads:
Notice of Full Implementation to All Creditors Bound by the Arrangements of XXXX and XXXX

Is this a CC? Sorry to ask such a daft question but I am really not sure. I was expecting a certificate that I could frame up on my wall - lol not really but I think you get the meaning
What must I do now. I am still showing on the insolvency register and I bet I am still showing on the Credit Agencies. So what is the plan of action that I should take from here?

Sounds like a CC -- it should go on to say that the Supervisor is no longer acting or has any interest.

They are all non-descript bits of paper -- noth impressive at all.

They will send a copy to the Insolvency Service and you will come off the register within three months.

Hopefully, they will also inform the credit reference agencies ( mine did). The IVA will remain on their records for 6 years from the start date, but will show as completed.

Useful background here:

http://pjgrecovery.com/clean-up-credit-rating.asp

HI Foggy, thank you for responding so quickly. It states and I quote:
"I, xxxx a licensed insolvency pratictioner of xxxxxx being the supervisor of the voluntary arrangements of the above named creditors, hereby give notice that the voluntary arrangements of have been fully implemented. I will now vacate office and cease to act as supervisor of the voluntary arangements"
Is my assumption that I am finally free of the IVA correct?
Unfortunately my IVA started in 2011 so I believe my records will still show until 2016 - again am I correct?
I read somewhere on the forum - i forget where - that I could send my details to insolvency register and they would remove me within 24 hours - did I understand this incorrectly?

Thanks for your help, I really appreciated it.

Yes, that is the CC !

You are free of the IVA. And debt free.

The IVA will remain of the credit files until March 2017.

People have come off the register within 24 hours -- I stayed there for 3 months to the day! To be honest, if you come off before the three months, it is an error on their part ( but one they often make). But is a bonus.

Thank you for the clarification Foggy. I am so happy that it is finally behind us.

The best part for me was that we always told our creditors that we would pay them back and we did - 100p / £. I know they lost out on interest but since the debt was made by fictional money that they banks created, I don't have much sympathy - but that is a whole other conversation.

Yippeee for a great Christmas Present.

Well done and reaching 100% is a great achievement which doesn't happen that often ... we did it too and it does make you feel proud of yourselves ...now enjoy your first true debt free christmas!!

Congratulations, its a great feeling being debt free, enjoy Christmas and think what a great start to a new year and new debt free life.

Yeah

Lovely piece of mail to receive is that one. Well done you're debt free!

Congratulations!