Is it really over?

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Steret78

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Post by Steret78 » Mon Jun 01, 2020 6:46 pm
I seem to be doubting what I'm reading so please bear with me.

Last payment was last July/August. IVA was with Aperture. Sent mortgage statement in March. Received this email on 22.May.

I've logged onto the website today and seen a download able file which is names Protocol
Compliant Completion Report.

Is this really the end now? I had an amazing feeling getting this email 2 weeks ago.

Thanks in advance for looking


Hello

Congratulations! I am pleased to advise that your IVA successfully completed.

A copy of your Final Report and Certificate of Completion will be issued to you and the Registrar notified of the successful completion of your arrangement. Please allow approximately 2-3 weeks for your final report to reach you.

This is a fantastic achievement and you should be very proud of your efforts and commitment throughout your arrangement.

What happens next?...

 

Your details will appear on the Insolvency Register for three months following the notification that your case has successfully completed.   Your creditors will update your credit file typically around eight weeks after completion.   Aperture do not have access to do this on your behalf however please do not hesitate to contact us should you experience any difficulty with the updating of your records.Any property restriction will be removed by Land Registry approximately two weeks after completion. I have provided some telephone numbers and website links that may be useful for you at the end of this email.  

 

Finally, I would like to take this opportunity to thank you for choosing Aperture to assist in your IVA journey and to congratulate you on the successful completion of your arrangement.  I wish you the very best for the future.

 

Should you need any assistance or further information please do not hesitate to contact a member of our Customer Services Team on 03339 397920 or by email ivacustomerservices@aperture.uk.com.

Foggy

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Post by Foggy » Mon Jun 01, 2020 7:02 pm
You just need that certificate and that will be that ! Keep several copies (just in case) --- it will not be a 'certificate' as such - just a paragraph on a bit of paper, but it does the job !

Congratulations -- Onward and Upward :-)
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

Steret78

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Post by Steret78 » Mon Jun 01, 2020 7:09 pm
This page was included in the download able report.

Certificate of completion pursuant to Part VIII of the Insolvency Act 1986
(the Act) and Part 8 of the Insolvency Rules 2016 (the Rules)

I, XXXX XXX, Supervisor of XXXXX XXXXX, hereby give notice that the Voluntary Arrangement of
the above individual, accepted at a meeting of creditors on the XX XXXX 2013 and variation meeting on the XX XXXXXX 2017 has been complied with, and therefore the Voluntary Arrangement shall be completed
immediately.
………………………………………

Foggy

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Post by Foggy » Mon Jun 01, 2020 7:24 pm
Mon Jun 01, 2020 7:09 pmSteret78 wrote:
This page was included in the download able report.

Certificate of completion pursuant to Part VIII of the Insolvency Act 1986
(the Act) and Part 8 of the Insolvency Rules 2016 (the Rules)

I, XXXX XXX, Supervisor of XXXXX XXXXX, hereby give notice that the Voluntary Arrangement of
the above individual, accepted at a meeting of creditors on the XX XXXX 2013 and variation meeting on the XX XXXXXX 2017 has been complied with, and therefore the Voluntary Arrangement shall be completed
immediately.
………………………………………
That's the one -- whatever the date is on that is your official completion date. As well as hard copies, keep a copy on several places on the computer too ( easier to print out or email if you ever need to.
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

Steret78

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Post by Steret78 » Mon Jun 01, 2020 7:30 pm
So it's really done. No comeback? That's amazing. It has been over 6 years now and it's still on the credit reference agencies but assume that will come off in the near future?

kallis3

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Post by kallis3 » Mon Jun 01, 2020 9:13 pm
Brilliant news! Well done and good luck for the future.
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

abbiesmum2003

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Post by abbiesmum2003 » Mon Jun 01, 2020 10:00 pm
Wow!
Yep thats it! All done and youve got your completion certificate!
Enrol in the credit check sites like clearscore and totally money (if not done so already-all free).
Keep eye on your report, make sure all accounts included in IVA are dated accurately so they disappear-if youve not past 6 years already.
Then just watch things improve.
Believe it or not applying for a small limit credit card can help if used responsibly (using credit sensibly improves things more than no credit or not using what youve got).
Anyway, Congratulations on completing your IVA! Onwards and upwards!
Best wishes.

luluj

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Post by luluj » Wed Jun 03, 2020 5:47 pm
So pleased for you .... only forward looking now, your new life starts here !
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"

Steret78

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Post by Steret78 » Wed Jun 03, 2020 10:01 pm
Thanks guys. Don't know why I was doubting it.

Just need to get over the threat of redundancy from my job now.

kallis3

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Post by kallis3 » Thu Jun 04, 2020 6:44 am
Fingers crossed for your job.
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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