One creditor did not reply when my IVA was initially setup despite being disclosed in the paperwork. CCJ registered against me by this creditor prior to IVA, what happens at the end of my IVA with this creditor and the CCJ???
The debt is still part of the IVA - they chose not to respond to the proposal (that's their problem!).
When the IVA is concluded, your liability will be satisfied and the CCJ will drop off your credit file after 6 years like normal.
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I work in insolvency as an IVA Drafter. I've been working in this industry for over 7 years and have seen every scenario you can imagine. I am experienced & knowledgeable in this field, so if I can offer any assistance to anyone, I'll be glad to help.
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The opinions posted in this forum are mine alone and not those of my employer (though I'm sure they'd agree with me!)
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IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
As mentioned above, they are bound by the IVA and the debt will be written off at the end, whether they have claimed or not. On the 6th anniversary the CCJ will drop off the file, and, on the 6th anniversary of the IVA start date, so will that, and you will have a clean sheet.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
