Hi can someone help I have just received my cert of completion after 3yrs in an IVA with a full and final offer it says I should send a copy to Equifax or similar company which part of the certificate do i send is it all the pages or just the certificate itself
Please only send them a copy. For ease and to avoid any further delay I would send it all. You may find they already know as IPs should update the main credit agencies but better to be safe.
Remember though the iva will show as completed until the 6th anniversary of the start date - it won't be removed from your records straight away.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
As Luluj says, your IP is supposed to send this informationto the Insolvency Service, to get you removed from the Insolvency Register. They, then, are supposed to advise the credit reference agencies, who will mark your credit files accordingly. Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record
As a belt and braces job you could inform them yourself -- photocopies only (keep the original safe and maybe scan it into your documents on the computer ). I would send the certificate and final report. You will probably find that the CRAs will wait until 'officially' informed by the IS -- service and timescales are very variable here.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
