I have now successfully received the Completion Certificate but am totally confused what I need to do next - how can I get a normal Bank Account, apply for a Mortgage etc, etc, I have looked on various websites for advice but am totally confused - please can you give me some direction?
Another thing I have checked the Insolvency Register and no records for me and my husband are showing - does that mean the IVA has been taken off their records?
You will have gone from Insolvency Register - your details will remain on your credit record for six years from the start of your IVA. Check with all three credit agencies to see what they hold and, if necessary, get any creditors to remove defaults back to the start of the IVA.
http://www.iva.co.uk/what-does-an-iva-d ... dit-record
I had a Vanquis card after completion and before my credit file cleared. I have now replaced that with a Post Office credit card and my bank gave me one of theirs too !
My IVA started in August 2010 and received the Completion Certificate in February 2017 so does that mean it will have been removed from my credit file?
Also which Bank are people now with? Sorry for all the questions just want to get back on the straight and narrow asap.
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