If memory serves me correctly it was clearscore, they picked it up the month after I completed. No idea why though. It had gone by the following month following a complaint.

Just thought I'd post about the last six months (since my IVA completed). There's nothing quite like the feeling that getting you hands on your completion certificate. I was so happy that I cried! For the first few months we kept a very close check on the Credit agencies and their records. One did a...

I think Martin Lewis' website and one or two of the credit reference websites (noddle and clearscore) have a soft search facility that may give you some idea of your chances. It won't muck up your credit rating.

Congratulations enjoy you debt-free future. CF seem to be pretty prompt at getting CC's out.

How does you final report look? Mine seemed a complete work of fiction!

My IVA finished on 16 March, last payment 16 Feb, CC arrived on 27 Feb. Two issues: 1) my current account is as the Co-Op bank. My wife has a savings account there. We thought it would be efficient to have my name added to the savings account this month. Form signed by us both and sent off, 2 weeks ...

I wonder if this is an attempt to cover all eventualities with the forthcoming court case appeal. If it's the 'wrong' result for Iva companies then they will have your signed authority handing it over. Call me suspicious but I was transferred to a certain company based north of the border and their ...

Congratulations, its a wonderful feeling isn't it!

Received the much sought completion certificate yesterday....hooray! Then I started to read the final account.......oh dear oh dear. £300 for the mass variation meeting...which I can prove I opted out of. Over £15k in supervisors fees, they were capped at the creditors meeting to £12.5k, loads of ot...

that's not too bad...I get ones for incontinence and hair loss!

Cheers JED, I just need to find who has been assigned my case, they've never told me!!

Does anyone have any experience of the closure process with Creditfix? If so, what was it like?

My last payment was a week ago and I've heard nothing from them.

Thanks for the good wishes everyone, much appreciated as has been you advice and counsel over the last six years. One, hopefully final, question...does anyone have any idea what Creditfix involve in the closure process?

I took it upon myself to send an I&E in as I reached the end of year 5, they emailed me back to say I should just continue at the previous rate for the 6th and final year.

Thanks kallis, I should add that the forum and its regular contributors has been a huge source of information and comfort over the six years.

Well that magical day has finally arrived, the 72nd and final payment has left my bank account. Its been a long and sometimes difficult six years but I've hung in and things have eased especially in the last couple of years and I've got there!