kallis3 wrote:

Hopefully it won't be long - depends on who you are with.

I am with aperture

How long depends upon who you are with .. many manage it withing a month or two, whilst others can take up to six! You will be on the Insolvency Register for 3 months after the date the completion certificate is issued. Have a read here: https://www.iva.co.uk/what-does-an-iva-do-to-your-credit-reco...

My final payment, after 6 long years, was Jan 18, how long before I get my CC and when will it be removed from my credit file?

Aperture have emailed me to say that an attempted remortgage can be online, has anyone done this, would save a lot of hassle xx

I have been asked to attempt to remortgage for the remaining £17k as I've paid up my 5 yrs, however there's no chance of it being approved! How have others overcome this? Are there charges involved? Can it be done online? Thanks in advance

I have been expecting a letter from GT regarding house valuation, I am past month 54 and hope this delay won't extend my payments any more than they should. Is this normal?

Thanks Michael, I'm so worried about my parents right now, all I want to do is look after them

Thanks for replying Foggy, how do I go about this I'm with GT also how long does it take and what happens if they refuse?

I am in month 51 of my IVA with the definite possibilty of a further extension due to equity. I pay £433 per month with a dividend of 43p payable so assuming I have 21 months left to pay I will owe £9093 based on my monthly payments. However I am going to have to reduce my hours at work significantl...

I am starting my 5th year and will soon be asked to have my house valued for equity release. My question is do I have to do this knowing full well that I won't be able to remortgage or secure any lending on the house in this current climate. Will Grant Thornton just accept a 12 month extension in li...

Thanks Foggy, was just curious,won't be too long now anyway and will be a weight lifted! x

I having paid into to an IVA for nearly 4 years now and have currently about £6k left to pay, I will probably have to go into a 6th year as I a have equity, however if I stop paying after 5 years and avoid creditors for a year does this clear the remaining debt as a debt only last 6 years? This is ...

I have had a decent pay rise and know at my annual review that my payments will increase, does that mean that I hit my target earlier or does my target increase? I am currently paying 49p in the £ and am 3 years into my IVA.

I have a PPI payment coming for £1k that I know has to be paid over, however my car is 14 years old and is knocking and banging everywhere. My question is will I be allowed to buy a car with the PPI if I ask, and if I'm allowed will the payment still be added on to what I have to pay back?

Many, many thanks for all your replies, I love this site, everyone so supportive, I took Karol's advice and emailed customer support, I got a reply within the hour and they have authorised the payment break and given me the option of paying back the shortfall over one or two years. I am so very happ...