Hi all I paid my full and final payment last week yey whoop whoop but what happens now I was with Pareto but now credifix they said congrats you are now debt free is it really that simple
Great news - just keep an eye on your credit records.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Sort of ..... you need to wait for your completion certificate before you are officially out of the IVA and debt free --- but CF are usually quite quick at getting that sorted --- then begins the clean up process to get your credit file back on track. Have a read here for that: https://www.iva.co.uk/what-does-an-iva- ... dit-record
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Congratulations Sam, the end of a hard road I am sure. I agree in terms of checking your credit file, in particular making sure that no defaults post-date the date of your IVA. This might be important if/when you come to apply for a mortgage or other credit in the future. Also once you have your Certificate of Satisfaction for the IVA you will want to make sure you are removed from the Insolvency Register.
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It varies from company to company but hopefully it will be with you soon.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Wed Jul 24, 2019 8:33 amsam666 wrote:
Hi thank you all am really chuffed I was in my 6th year but completed early than April 20 does anyone know how long it takes to get the certificate
Anything from a few weeks to a few months --- but Creditfix do seem to be one of the faster ones in this regard.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Fab thank you it just seems really surreal thag when I started they needed everything and now I paid my last payment they have asked for nothing ha ha ha am well chuffed it done learnt a lot over the 5 and half years
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
It is surreal, I paid my last payment 26th April 2019 and completion certificate arrived 28th June insolvency register shows completed but credit agencies are a bit of a mixed bag some still show IVA but not all hopefully August will see it clear up but still cannot believe it. Well done to us
Wed Jul 24, 2019 9:12 amAllywally wrote:
It is surreal, I paid my last payment 26th April 2019 and completion certificate arrived 28th June insolvency register shows completed but credit agencies are a bit of a mixed bag some still show IVA but not all hopefully August will see it clear up but still cannot believe it. Well done to us
If you are looking at your reports via the likes of Clearscore, Noddle and the like, these could be over a month out of date. The defaults, IVA, etc. might well be gone from the live reports direct from the credit reference agencies, but will still show on these online jobbies.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Thank you that’s really helpful just don’t know what to do with myself now lol i can now use my bank card without thinking will they scrutinise that sausage roll lol
just don’t know what to do with myself now lol i can now use my bank card without thinking will they scrutinise that sausage roll lol