After 11 years. Finally made my last payment. Seen some posts about aperture being really slow at completion. On average how long should it take. Also when does the creditors drop off the credit report. The reason I am asking is that I lost my house 3 years ago due to a secured loan. The shortfall was added into my iva. My iva started January 2008.when will the secured loan creditor drop off please?
I am afraid that I do not know the applicable date for a loan added to the IVA after the start date.
Radish wrote:Well done at getting to the end after al that but, what an awful experience you have been through. I remember in 2008 seeing an ad in the paper for IVA's saying "debt free in 5 years with 80% written off" and "one simple payment with no phone calls" certainly leads us to a false sense of security. Glad the nightmare is finally over for you.
You are right Radish -- people went in, believing the hype and were seriously put out when reality hit home. This led to a lot of unwarrated discontent. Truth is, painting an accurate picture and allowing people to go in with eyes wide open is a far easier way to get clients in the right mindset and, therefore, they get through the thing a lot easier.
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