So I settled my IVA last December and been told the LR restriction was removed the 13th of that month. I contacted my IP regarding an update on my completion certificate. She said that it would be "any day now"
For a more accurate reply, I contacted Payplan who told me that it was with the accounts and they would ring them to find out what stage they were at and let me know. After no callback from Payplan, I rang them again. They answer me in a very short manner as though I'm just bothering them, which I find upsetting. The Payplan advisor told me the accounts had not responded to their message, so until they did, they couldn't give me any information on my certificate, only that it could take 3 months for all the processes to be done. She then went on to say something about a business creditor? and that takes 3 months, then your credit file to be informed; another 3 months and then something else etc...
I only have 2 creditors; one is my mortgage who I'm still with and NatWest bank, who haven't folded or difficult to do business with and no checks for PPIs, missed payments or delays etc...so I am concerned that this is just being dragged out for the sake of it, based on my IVA overall.
The settlement was accepted straightaway with a modification by the creditors that meant Payplan didn't receive their full completion fee (I'm not sure if that's what the modification was for) but nevertheless, I just feel because of this, I'm being penalised by time, as I want to move on with my life this spring and I don't see any real reason why I can't, because of their accounts department? It seems to me, that it's very quick to get signed into an IVA, but a long process to get you out of one.
Greatly concerned and suspicious.
The steps the advisor pointed out were 3 months to issue the completion certificate, and then it would be three months after that that you would come off the Insolvency Register. This is explained in a short article I wrote here: https://www.iva.co.uk/what-does-an-iva- ... dit-record
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