I think it was Confucius who said "a journey of a thousand miles begins with a single step". I took my first "single step" way back in 2006, over twelve years ago. it was seven years today when I made the final payment into my IVA, an anniversary that is indelibly etched into my memory. The day that...

Hi, I had exactly the same situation, and the company issued me with an HSBC card, who wee one f my creditors. It wasn't a problem as the account was in the name of the company so it would say you have nothing to worry about.

Not really an issue for you now, they generally are registered on the start date (or very near) and will automatically drop off after six years. Just sign up to Noddle or clearscore if you want to check but to be honest i would just focus on getting through your IVA and worry about all these bits an...

Hi. First thing to say is DONT PANIC! , there is not any debt problem that doesn't have a solution and pretty much everyone here has been in your position at some point, me included. Here are some practical steps you can take right away, this will give you a view of your overall situation and at lea...

Hi, I would echo as above, have a chat with your IP by phone and explain the situation, if that's the only thing standing in your way I would imagine their is a way they can get the process of cert issue moving faster for you. Also definitely making some fuss with Halifax, they should be treating yo...

Great Stuff, well done!

Hi, Many congratulations, its a nice moment. Your IVA Co will sort all the paperwork and they shouldn't ask you for anything else at this stage, after that its just a case of checking that all creditor claims are in and they can then start to close it all down. Ours took around 6 months from final p...

20% off today is little use on a £50 coat that ends up costing you £100 because of the credit agreement you signed. I am not sure how these stores stand legally beacuse in essence they are selling financial products so I would have thought that positioning the signing of a credit agreement as "would...

Hi, well done on getting through. If you give the crediors a ring you will find them (believe it or not) very helpful, in my case I found that they were also eager to tidy up their paperwork and they have quiite alot of people working on these issues. I guess at this point they no longer have am axe...

Congrats!! welcome to the club!

Hi There,

Well done, I would echo much of what is said above you have done the right thing, it wont be easy but stick at it and you will get there. I wish you all the best of luck.

Brilliant! well done you... its an odd feeling but keep your feet on the ground and you will enjoy the feeling of the sun on your face...

Hi,

fantastic news well done. I had a similar experience with DFD they really were excellent and the final bits were wrapped up really efficiently. My IVA finished in 2011 and I'm glad to see that DFD are still doing such great work.

Hi, usually equity is looked at in yr4, I did mine midway through year 4, and although we had no equity we still had to go through the process to satisfy this clause in the IVA.

Hi there,

mine took six months from completion, hang on in there, there is usually a ton of paperwork for them to sort, such as claims that might not yet have been made or over/ under claims etc.... you should have it before long.