Mortgage lost completion certificate

8 posts Page 1 of 1

andydragon

Posts: 4
Joined: Tue Oct 05, 2021 12:15 pm

Post by andydragon » Tue Oct 05, 2021 12:22 pm
Hi all,

Successfully completed my IVA around 2007 so over 15years or so. but have since lost my completion certificate. Had not really realised I had to keep it for life. These are not able to be reproduced since it is so long ago the companies have removed me, data retention apparently

So some companies will not touch me as I have had an IVA in the past. Annoying but that’s just how it is. I thought my broker had found me one with Coventry Building society who didn’t mind I had had one prior, but they have since said as I cannot provide the discharge certificate they won’t proceed. Helpfully after a hard credit check. So much for brokers choosing the right company! I picked a few free broker, probably my error but honestly didn’t think I’d need a specialist for a debt I had so long ago

So now what? This incredibly important document, that if lost through fire, theft or flood is not replaceable, this seems somewhat daft to me. Am I going to have any chance?

I was going for 5% deposit, so appreciate not as easy, but kind of thought IVA was a solution to improve life not to hang over my head forever.

Foggy

User avatar
Forum Expert
Posts: 33089
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Tue Oct 05, 2021 12:41 pm
We have a couple of specialist brokers who could have a chat if you contact them --- they may be able to advise.
Contact details on their profile pages:


Ryan: memberlist.php?mode=viewprofile&u=18488

Shaun: memberlist.php?mode=viewprofile&u=22837
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

andydragon

Posts: 4
Joined: Tue Oct 05, 2021 12:15 pm

Post by andydragon » Tue Oct 05, 2021 12:46 pm
Thanks, I’ll have a look

The fact this is a lifelong issue isn’t something I really absorbed and the fact this important document needs protecting like it’s gold is another.

The fact nearly 2 decades since I took this out that it would still need specialist broker has really depressed me. It would have made me much more carefully consider

Foggy

User avatar
Forum Expert
Posts: 33089
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Tue Oct 05, 2021 3:05 pm
Tue Oct 05, 2021 12:46 pmandydragon wrote:
Thanks, I’ll have a look

The fact this is a lifelong issue isn’t something I really absorbed and the fact this important document needs protecting like it’s gold is another.

The fact nearly 2 decades since I took this out that it would still need specialist broker has really depressed me. It would have made me much more carefully consider
Thing is, I guess, you needed help at the time --- had you defaulted or been made bankrupt, the ramifications could still have been the same, and not all lenders ask 'that' question.

As for the importance of the certificate ( such as it is), I usually advise getting several copies, stored in different places as well as scanning a copy onto the computer and back up flash drive. I also have a copy in my email archives ( I was emailed the certificate before I was sent a hard copy -- might be worth having a look in your email archives, just in case).
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

andydragon

Posts: 4
Joined: Tue Oct 05, 2021 12:15 pm

Post by andydragon » Tue Oct 05, 2021 3:11 pm
Hindsight is a wonderful thing

You explaining the importance is great, but my company all those many years ago didn’t. As was explained it was a way to solve my problems but the lifelong impacts were not explained, as I understood it, I made mistakes and got in a bad situation but 6 years after I’d be able to reset.

Again, maybe that is better explained now to people

It is what it is, the fact you cannot get it back in the future, that is a problem. Lose a birth certificate or a bank statement and a fee will get them. Lose a discharge cert and there is nothing that can be done :(

luluj

User avatar
Forum Expert
Posts: 11233
Joined: Sun Dec 09, 2007 6:54 am
Location: United Kingdom

Post by luluj » Wed Oct 06, 2021 7:03 pm
It's worth doing a general search on your computer and in your emails- my certificate goes back to 2011 and its still in my email search and have to saved multiple times and printed.
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"

andydragon

Posts: 4
Joined: Tue Oct 05, 2021 12:15 pm

Post by andydragon » Fri Oct 08, 2021 6:19 pm
It’s gone and deleted

However, the insolvency service have created me a letter saying I started and it completed. They went well above and beyond and whilst not the exact certificate it is something that might hold enough weight for persuasion

As it turns out a broker found me a cheaper rate, no fees and cash back who don’t need this so hopefully that’ll go through okay even given I have the previous hard check

So, maybe it’ll turn out for the best. Fingers crossed!

luluj

User avatar
Forum Expert
Posts: 11233
Joined: Sun Dec 09, 2007 6:54 am
Location: United Kingdom

Post by luluj » Sat Oct 09, 2021 4:09 am
That's great and hopefully now you can move forwards. Onwards and upwards as they say !
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"
8 posts Page 1 of 1
Return to “mortgages”