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Flavour79

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Post by Flavour79 » Tue Feb 25, 2020 6:41 am
As per subject I have received my completion certificate for my IVA and wanted to contact the Credit agencies to inform them of my completion of IVA.

Would appreciate if anyone has the contact email address for the above agencies for me to send them my completion certificate .

Thanks in advance


Ps Do I also need to send the creditors involved my certificate to update their records?

1.Link Financial
2.Pra Group
3.Barclays Bank

Foggy

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Post by Foggy » Tue Feb 25, 2020 7:30 am
Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record

If the IP does his job you do not need to contact anyone with the completion certificate. They should tell the insolvency service, who, in turn, will report to the CRAs. The IP will also tell each creditor, along with giving them a final report.
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

Flavour79

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Post by Flavour79 » Tue Feb 25, 2020 8:24 am
Thank you

kallis3

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Post by kallis3 » Tue Feb 25, 2020 9:17 am
Just keep a check on them to make sure your records are clear.
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

Foggy

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Post by Foggy » Tue Feb 25, 2020 9:18 am
Keep an eye on your Insolvency Register entry --- once they have been notified the entry should change from 'active' to ' completed'. It will then drop off within three months. The CRAs will take a few weeks longer to react, but the IVA will remain on those records for the full 6 years from the start date.
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

Flavour79

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Joined: Fri Mar 03, 2017 10:28 pm

Post by Flavour79 » Tue Feb 25, 2020 3:21 pm
Tue Feb 25, 2020 9:18 amFoggy wrote:
Keep an eye on your Insolvency Register entry --- once they have been notified the entry should change from 'active' to ' completed'. It will then drop off within three months. The CRAs will take a few weeks longer to react, but the IVA will remain on those records for the full 6 years from the start date.
My details on the register is now showing completed as of today.

Thanks

Foggy

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Post by Foggy » Tue Feb 25, 2020 3:24 pm
Tue Feb 25, 2020 3:21 pmFlavour79 wrote:
Tue Feb 25, 2020 9:18 amFoggy wrote:
Keep an eye on your Insolvency Register entry --- once they have been notified the entry should change from 'active' to ' completed'. It will then drop off within three months. The CRAs will take a few weeks longer to react, but the IVA will remain on those records for the full 6 years from the start date.
My details on the register is now showing completed as of today.

Thanks
Excellent ! And congratulations :-) Just the dust to settle now, but the hard bit is behind you.
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

kallis3

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Post by kallis3 » Tue Feb 25, 2020 3:28 pm
You should be sorted 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

Flavour79

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Joined: Fri Mar 03, 2017 10:28 pm

Post by Flavour79 » Tue Feb 25, 2020 3:31 pm
Thanks Foggy. Its been nerve wrecking these past few years but alas.
Lessons learnt and a new chapter.

Come September will be putting in a mortagage application with Ryan/ Shaun.

All inputs have been appreciated by all on this forum.

Flavour79

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Joined: Fri Mar 03, 2017 10:28 pm

Post by Flavour79 » Wed Feb 26, 2020 2:43 pm
Tue Feb 25, 2020 3:24 pmFoggy wrote:
Tue Feb 25, 2020 3:21 pmFlavour79 wrote:
Tue Feb 25, 2020 9:18 amFoggy wrote:
Keep an eye on your Insolvency Register entry --- once they have been notified the entry should change from 'active' to ' completed'. It will then drop off within three months. The CRAs will take a few weeks longer to react, but the IVA will remain on those records for the full 6 years from the start date.
My details on the register is now showing completed as of today.

Thanks
Excellent ! And congratulations :-) Just the dust to settle now, but the hard bit is behind you.
Just had an alert that my Noddle/Transunion credit report has been updated showing a discharge from IVA.

Flavour79

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Post by Flavour79 » Wed Feb 26, 2020 2:44 pm
Hopefully Equifax and Experian will be following suit shortly

kallis3

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Post by kallis3 » Wed Feb 26, 2020 2:51 pm
Hopefully!
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

Flavour79

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Joined: Fri Mar 03, 2017 10:28 pm

Post by Flavour79 » Sun Jun 21, 2020 5:21 pm
Strangely my credit score has just dropped on Experian to 524 very poor. Last month it was 724 fair. Cant seem to understand as I have not applied for any credit. My iVA clears on credit file this September.

kallis3

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Post by kallis3 » Sun Jun 21, 2020 5:25 pm
Mine goes up and down every month so I wouldn't worry too much about it.
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

Foggy

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Post by Foggy » Sun Jun 21, 2020 5:40 pm
The numerical score means nothing and seems to be affected by the weather !!! Lenders don't see it anyway.
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
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