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
ITS BEEN ACCEPTED!!! I can literally feel the weight lift from my shoulders! I’ve had tears and so many smiles. I’ve felt so held back in life and unable to do so many things, now I feel like It’s my time for a fresh start!!
Thank you for your kind messages and advice! I wouldn’t have took this step if it wasn’t for the advice on this forum!!! Now to visit the grandparents with the good news! x
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
Thank you! It still hasn’t sunk in! Feel like I’m starting fresh after years of depression and heartache!!
Just a question? I’ve paid the money across to CF who have emailed today to confirm it has been received. They have noted the closure/completion process may take between 3 to 6 months! From any of your experience is this usually the case? My IVA hasn’t got any PPI or equity bits to it so would say it’s not too complicated. So I’m hoping this will not be too long to get the certificate.
Unfortunately it can take up to six months. I believe CF are one of the quicker ones. Don't forget it will remain on your credit record for six years from the start.
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
As Kallis says, CF are one of the faster firms at producing the completion certificates, so hopefully it will not be too long a wait. Be great if it arrived before Christmas !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Your right foggy! Would be lovely Christmas present!
I understand the credit file bit as unfortunately that will stay for another 4 years so will be renting for a few years I imagine as mortgages won’t be something I’m going to be able to obtain! but I did some admin and sent letters to creditors asking them to correct my default dates to the start of my IVA. So hopefully that will ensure they drop off at the right time. As some didn’t default until last year!!! So I’m glad I saw something about requesting the change in dates!
Thanks for your reassurance as always guys! This forum is so helpful when you need it!!
Just to let you know I’ve received my completion certificate today! What a fab early Christmas present!!!
Merry Christmas to you all and a happy new year. Hope one day this thread helps someone with their future! Just like previous posts have done for me! x
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
Ive not read the whole thread but seems congratulations are in order! Well done! Its great news. New year new start!
As for CF and certificate....they were very quick with ours. Weeks not months.
Hope its soon. Let us know
My f&f offer was accepted by CF in August
My last Iva payment went out in September 2019
Now Jan 2020
Still waiting to get a completion certificate ?
How much long do I have to wait ?
Any ideas
x
so will be renting for a few years I imagine as mortgages won’t be something I’m going to be able to obtain! but I did some admin and sent letters to creditors asking them to correct my default dates to the start of my IVA. So hopefully that will ensure they drop off at the right time. As some didn’t default until last year!!! So I’m glad I saw something about requesting the change in dates! 
