Hello

Now that I have completed my IVA I thought I had better check the state of my credit reports, so I signed up and received them from Equifax and Experian and to be my surprise I am rated as Excellent - no details of any debts or any mention of my IVA - is this something I am missing?

So just spoke to my case manager, my calculations were correct. There is only £400 to pay. For once my maths was right wohooo. apprently they hadn't put one of my £600 payments to my file hence why it was £1000. Hehe feeling a bit sheepsih for my rant yesterday - a while learnt lesson be patient get...

Id ont' blam eyou Davey, which is why I asked in Jan 11 to ensure something like this didn't happen but it still managed to happen, just my luck I suppose. Doh

According to my emails, the 50p minimum dividend was agreed upon approval. Nevertheless its not the change from 40p to 50p that bothers me it is why it seems they are incapable of calaculating my payments correctly. I did have to reduce my payments during one year as my income dropped but in subsequ...

I think they have added £600 for fees not accounted for. My old case manager in Jan 2011 when I realised I wouldnt complete on time said the fees were £7610. So I think they have come up with £600 more in fees. Its all I can think thats how the £400 difference plus the additional gives £1k. If it it...

All I know is my original says 40p but I got an amendment notice through telling me of an amendment to now 50p. So I have now been through my bank statements going back to the start to end. In my annual review letter dated Feb 2011 it states that £32,100 is claims submitted and £8,800 are claims cre...

Hi Kaykay When my IVA started in 2006 I had to meet 40p in the £. In Dec 2006 the Student loan company demanded it be raised to 50p in the £ and they are the majority party here. It was agreed, not much I could say as I was naive then, didn't know much until years later when I discovered this forum....

Thnaks, I will do that as I do not trust them anymore. I purposefully queried every month last year to ensure my the sitution I discovered in Jan about not completing on time did not occur after I finished and low and behold it has! My case manager had to cheek to tell me that in one of my notes on ...

So I just spoke to my case manager and asked her about the differnce. So it transpires that once you make your final payment, they had to wait to hear from the oustanding creditors to make a claim before doing her usms and making sure everything has been paid in. Apparently she cannot do that prior ...

I know.. I am going ot have to call up again and speak to my case manager because in the letter they say £1500 but on the phone she said to me £1000 is what I owe, so which is it??

Uff, she is a hard person to get hold of aswell!

BTW I am with Kingsgate

So in my final year of my IVA i discovered that two of my creditors had not claimed the debts totalling £6k. Therefore I would not meet my 50p in the pound. It was only because I decided to check I would complete on time was this ever revealed to me and that they had assumed all this time that I wou...

Finally the year is over and so my last payment has been made - I would love to excited well I am somewhat just have to cross my fingers and hope that the two creditors who have not put in a claim don't otherwise it will be another 10 months of payments!

Wow I feel for you KayKay I am in the same situation, in my final year decide to make sure its all going to plan and if not have the last 12 months to sort it out - it took 6 months so now im 4.5yrs into IVA to discover that HSBC and one other creditor haven't claimed either and that if they do clai...

So close yet feels so far I guess I will take my chance and see what happens. Wow funny how the first year and the last year seem to drag so much.

Well my supervisor has said its a letter automatically sent through the post when your 6 months away from completing. So we are back to the solution being pay my regular payments and clear the arrears than a letter will be sent out and the creditors who have not claimed have 30 days to put in their ...