I know some people have moved out or changed their relationship status before setting up an iva or going BR to avoid the household income trap so for one reason or another it didn't fall on their partners etc . I think it's unfair that a partners income is taken into consideration if they have not g...

Longslog you can complain to the ombudsman and ask for compensation for distress . I've done it x3 and won as they refused to change my defaults . Once I've had to pay up as I needed the default off quickly ,but still challenged it and won .

I got news off the ombudsman recently that the creditors are bound by the terms of your iva whether they claim or not so you should get that certificate . You have waited long enough. I was with dfd too

I had several who did not claim but still got my certificate. Email your ip if no luck email the regulators . They are very quick in their help/ replies .

no default should be registering after your iva so you may need to check and get them removed

I have had nat west send me many of these recently that 3 years after my full and final. I Ignored them as they were not on my credit file. Then they sold the debt to a company which I got annoyed about so I phoned that company and told them it's on an old iva. The letters have stopped now

Thank you both . If anything this iva has made me not roll over so easily #128516;

Hi I wouldn't cancel it but I would challenge it. Check your yearly statement if you have one and contact your Ip and say you want to complain. Complain through the right channels and if it doesn't work and you don't owe anything take it further . Hope you get it sorted out

My husband had a lloyds bank account with full card facilities whilst in our iva. I had a debt with them which was on our iva . We were linked on our credit reports but he was able to keep his account and card as it was in good standing the bank said at the time. He let them know as he didn't want h...

You could try it , it may get accepted with reference to my experience with my f and f offer . State about your health too . Good luck

Iva is still on my file too

Hi I did a full and final in 2012 . I got a normal mortgage this year . After completion I had a high rate one .

Thanks foggy . It's been a while fighting it but worth it #128516;

Hi all Just posting this in case it may help someone I had a payday loan from MEM ( payday uk) They did not reply to my iva companies letter or they did not get one . Hence they were left off my IVA Didn't notice until I looked at my credit file in 2013 I challenged it . The adjudicator at the ombud...

BR as you can move on quicker.
No idea why we didn't just do that as we gave up our house anyway. The clear up post iva can be hard . Not for everyone but in my case nearly 3 years down the line I am still fighting debts that should have been wiped off due to my iva.
It's an individual choice .