Confused as no indication IVA has finished

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alan150

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Post by alan150 » Sat Jan 16, 2021 3:31 pm
Been on Iva for 5 years believe we’ve made last payment but not getting told it’s ending and now received creditors letters what to do ?

Foggy

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Post by Foggy » Sat Jan 16, 2021 3:37 pm
What do the creditors letters say ?
When did you make the last payment ?
Have you spoken to your provider about it ?
Are you a homeowner, or do you rent ?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

alan150

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Post by alan150 » Sat Jan 16, 2021 5:23 pm
My last payment I believe was December 2020 (no confirmation) never missed a payment, been paying since October 2015 , renting,

kallis3

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Post by kallis3 » Sat Jan 16, 2021 5:40 pm
It can take a while for completion, especially at the moment.

What do the letters say?
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

alan150

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Post by alan150 » Sat Jan 16, 2021 5:43 pm
Listing my current debts and what’s owed and how to pay them , we’ve been paying since October 15 very confused

Foggy

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Post by Foggy » Sat Jan 16, 2021 6:16 pm
If these letters are not a demand for payment they are probably the usual statements that have, until now, been supressed. Completion can take up to 6 months, though some firms manage it within weeks. I am afraid it seems to be common, if discourteous, practice to simply go silent between final payment and actual completion. You are no longer earning them money and so get prioritised south !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

alan150

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Post by alan150 » Sat Jan 16, 2021 6:20 pm
Just seems up in the air when we thought we’d be done now yet still paying since October 15 , would like to know when our end date is but difficult to get answer from IP who probably due to COVID is not replying

alan150

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Post by alan150 » Sat Jan 16, 2021 6:57 pm
Iva been going since October 2015 never missed payment always done reviews , not had notice Iva is ending anytime soon from IP but getting creditor letters just confused and stressed now sorry to bother you.

kallis3

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Post by kallis3 » Sat Jan 16, 2021 8:01 pm
It's no bother, we are here to help. You will get a completion letter but with Covid and Christmas things will inevitably be delayed. Send the letters off to your IP - if you have finished you have nothing to worry about and they cannot ask for money.
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

alan150

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Post by alan150 » Sat Jan 16, 2021 8:03 pm
Yeah it just seems to be dragging on since what we thought was the end in October 2020

kallis3

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Post by kallis3 » Sat Jan 16, 2021 8:12 pm
Try not to worry - I'm sure it will all be sorted soon. I can appreciate how stressful it is.
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

alan150

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Post by alan150 » Sat Jan 16, 2021 8:15 pm
Thank you will keep you informed

T9UPS

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Post by T9UPS » Fri Jan 22, 2021 5:26 pm
My last payment was 27the April 2020 no I only got my completion certificate in November , it has taken them 7 months which is understandable considering COVID.

Hopefully you will get yours soon.

Well done for competing the 5 years, it’s a hard slog but a massive relief when it’s completed.

alan150

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Post by alan150 » Sat Jan 23, 2021 4:27 am
Thanks for reply I can wait but not sure why it takes so long for certificate and why we are still paying when it began in October 2015

kallis3

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Post by kallis3 » Sat Jan 23, 2021 8:21 am
Unfortunately that's the way things are at the moment. You will just have to be patient.
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
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