Hi I was wondering if someone can offer some advise please. My iva completed in April of this year and I received my completion certificate shortly afterwards. I have recently checked my credit file and all the creditors that were party to the iva are still defaulting me, should they be? If not how ...

Thanks everyone for your responses....

12 months to go - I made my last payment on 26th March 2012 and got my certificate today, I was with Freeman Jones who despite a couple of hiccups and a bit of miscommunication in the last year have been excellent over the last 5 years x

My completion certificate arrived in the post today, so big weight off my mind as I was still expecting them to come back to me saying I'd gotta pay another year in lieu of equity... Can't keep the smile off my face now, it's been a long 5 years but so worth it knowing that I now owe nothing apart f...

Hi Sarah, yes all sorted now Gemma Called me last night, final review done and dusted just waiting for file to be checked off by IP then gotta wait for completion certificate. Still doesn't seem real that it's all finished after 5 long years, don't think I will really believe it until I get my certi...

Hi Sarah

Thank you for your response. I called your office a little while ago however Steve Grogan was unavailable, I spoke to another RM (she didn't give me her name) and she confirmed she would send Gemma an email asking her to contact me so I guess I wait for the phonecall!

Hi I was wondering whether anyone knows how long a final review usually takes? I made what I hope to be my final payment on 26th March 2012, my relationship manager said all she needed was my pay slip for march and then she could do my final review and inform me as to whether I need to pay any more ...

Hi Just wanted to say I have exactly the same clause in my IVA proposal and I was in the same position as you in that my IP was saying I had to extend my IVA by 12 mths in lieu of equity. However I provided 2 mortgage rejections and an up to date valuation and after arguing the point that at 85% LTV...

Hi, I'm with freeman jones and they usually do the annual reviews over the phone and then you get a letter confirming whether any changes/increase/decrease have been agreed or whether things stay the same. It does take a while, I usually get a call a couple of weeks after my documents have come back x

Thanks for all your replies but it wasn't the defaults a was worried about I expected them tbh it was the interest being charged on one of them that I wasn't sure about x

Hi, having read some other posts about noodle credit report I decided to register with them, everything looked as I thought it would with loads of reds but then I looked at the balances and it looks like one of my creditors is adding interest as the balance is increasing, it's now £500 more than whe...

Hi, I posted some time ago that I had been told that my IVA was to be extended by 12mths in lieu of equity, well my case worker has changed in the last month and having looked all through the paperwork she spoke to a supervisor and based on the information and paperwork I have provided they can now ...

Hi all, hope you had a great Christmas and the new year has been good to you so far! I was wondering whether anyone knows of any mortgage lenders who are willing to lend to people in an IVA? I currently have a mortgage (shared ownership mortgage) but my partners 3 children have come to live with us ...

Hi Ian thank you are your reply, I appreciate that it is normal to extend by 12 months in lieu of equity, I don't think I worded my original post correctly.... I guess what I was asking was when the creditors meeting will be called as it states in my proposal that if equity can not be released then ...

Hi foggy thanks for your reply. My proposal doesnt specify that a 12 month extension will be put in place of equity it simply states that if equity can't be released then a creditors meeting will be convened to consider my proposals x

Hi all I was wondering if someone could tell me whether a creditors meeting is usually arranged in the last year of an iva if the equity release clause is stated? I only ask because I have the clause in my proposal and my iva should be finishing in march 2012, however because freeman jones say I hav...