Notice of Full Implementation

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ryan231

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Post by ryan231 » Sun Mar 10, 2019 4:39 pm
My IVA was registered 27.12.12 and I settled it early, full and final settlement, in September 2014.

My question is around how I obtain the "Notice of Full Implementation" and also when the IVA will "realistically" disappear from my credit report?

Any advice appreciated.

kallis3

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Post by kallis3 » Sun Mar 10, 2019 4:43 pm
It will remain on your credit record for the full six years from the start.

You should have a letter of completion from your IP.
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.
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Foggy

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Post by Foggy » Sun Mar 10, 2019 4:47 pm
The Notice of Full Implementation is what we generally refer to as the Certificate of completion ... in fact it is just a bit of paper with a paragraph on it saying the IVA is over. You should have already got this, along with a final report of distibution to creditors and a copy would have been sent to the Insolvency Service to remove you from the Insolvency Register --- have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record

Check to see it you have already been removed -- which would indicate if the Notice was issued.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Lisa Thomas

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Post by Lisa Thomas » Tue Mar 12, 2019 9:57 am
You should have come off the register last year...

Check here:

https://www.insolvencydirect.bis.gov.uk/eiir/
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

Lisa Thomas

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Post by Lisa Thomas » Tue Mar 12, 2019 9:57 am
You might find this quick video I made about cleaning up your credit record useful:

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

https://www.noddle.co.uk/
https://www.clearscore.com/
https://www.totallymoney.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

ryan231

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Post by ryan231 » Tue Mar 12, 2019 3:24 pm
Thanks everyone, I have searched on the insolvency register and I am not on there.

I use clearscore and Experian but my credit score is obviously still poor due to being within 6 months of the start date of the IVA.

I was able to obtain a mortgage last year but the interest rate is high. The reason I wondered about the IVA coming off my file is so that I am able to go to the high street for a better rate early 2020.

Thanks again.

Ryan

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Post by Ryan » Tue Mar 12, 2019 3:40 pm
Hi Ryan,

If the IVA began in 2012 we have access to High Street Lenders who would look to lend now.

Regards
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page

ryan231

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Post by ryan231 » Tue Mar 12, 2019 3:44 pm
Hi Ryan,

Interesting, how would we speak?

Ryan

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Post by Ryan » Tue Mar 12, 2019 3:46 pm
There should be contact details on the forum or via;

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page

Ask to speak to Mike when you call.

Regards
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page
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