Completion certificate received after 3 weeks.

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benjiboo1
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by benjiboo1 » Fri Mar 24, 2017 8:37 pm
My completion certificate arrived today, 3 weeks after the phone call from c/fix to say it was all over. Feels like the end now. What a journey it has been & also a lot of lessons learned. Good luck to all of you starting out. You will find the support & advice on this forum invaluable. I will still keep having a look on here. Thanks to everyone.
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Foggy
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by Foggy » Fri Mar 24, 2017 8:40 pm
Well done Benji ---- Onwards and Upwards :-)
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kallis3
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by kallis3 » Fri Mar 24, 2017 10:07 pm
Well done!
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luluj
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by luluj » Sat Mar 25, 2017 5:36 pm
Great turnaround time - positive thinking now going forwards ! Well done
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linrog
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by linrog » Sat Mar 25, 2017 6:14 pm
well done feels good we are just over a year free of our iva got our cc 4 weeks after full and final received nov is 6 year anniversary so hopefully clean up time on credit scores
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Lisa Thomas
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by Lisa Thomas » Mon Mar 27, 2017 1:22 pm
Well done!

ONce you have come off the insolvency register you might find this quick video I made about cleaning up your credit record useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM

Noddle and Clearscore are also free credit agencies to consider using:

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

Best of luck for a debt free future!
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benjiboo1
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by benjiboo1 » Mon Mar 27, 2017 1:25 pm
Thank you Lisa, how long is it before we come off the register? Our ip advised us to send a copy of completion certificate to expedia & the other main one.
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Foggy
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by Foggy » Mon Mar 27, 2017 3:01 pm
You will come off the register within three months of the issue of the completion certificate. Some drop off earlier, some are three months to the day.

The three agencies are Equifax, Experian and Call Credit. The Insolvency Service report the completion to them and therer is usually nothing for you to immediately do in that regard.

As well as Lisa's video I have written a short synopsis of what happens here:

http://www.iva.co.uk/what-does-an-iva-d ... dit-record
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Lisa Thomas
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by Lisa Thomas » Mon Mar 27, 2017 3:09 pm
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benjiboo1
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by benjiboo1 » Mon Mar 27, 2017 3:14 pm
Thanks got the information.. Lisa & foggy...
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