Last payment made

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sue605

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Post by sue605 » Mon Jun 25, 2018 9:56 am
I have just been informed that my last payment has been made and that my case is now passed the completion stage the admin can take up to 2 - 6 months, then I will be issued with a notice of full implementation, is this it have I finished once received, Can I then retire and draw on pension without them taking it.

Lisa Thomas

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Post by Lisa Thomas » Mon Jun 25, 2018 10:20 am
Yes once you get your successful CC then you re free to do what you like with your assets.

You may also want to think about tidying up your credit records once you have come off the insolvency register (within 3 months of the CC being issued)

You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk

Foggy

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Post by Foggy » Mon Jun 25, 2018 10:25 am
Well done on making that final payment. Once you have that certificate in your hands then you are free of the IVA (PPI excepted). Keep it safe !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/

kristian

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Post by kristian » Mon Jun 25, 2018 12:51 pm
Congratulations,

I hope your IVA isn't with Aperture as I to was in this position last week until I contacted them to ask where is my Completion Certificate after a 6 month wait and being assured on 3 separate occasions that my certificate was on its way. I was told last week that the equity release issue hadn't been addressed from 12 months ago and now I'm trying to email them a re-mortgage rejection from Halifax but they are insisting on a full rejection letter which I can not get because I can only apply for an agreement in principle.
Aperture are a bloody nightmare!

Pied piper

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Post by Pied piper » Mon Jul 02, 2018 7:01 pm
I feel for you I am also with Aperture and made a full and final on the 8th December, still awaiting my Completion Certificate. Phoned them when the 6 months was up and was told it would be fast tracked to me within 2 weeks. Called after 2 weeks to be told it hadn't even been looked at but would again be fast tracked to me. 10 days on still no sign....

Lisa Thomas

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Post by Lisa Thomas » Tue Jul 03, 2018 11:15 am
Make a formal complaint

https://apertureiva.com/terms/complaints/

then if necessary take it further here:

https://www.gov.uk/complain-about-insol ... actitioner
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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