First ..Congratulations !!! In theory you should have to do nothing, but check that what should be happening is happening and step in if need be. Have a read here: https://www.iva.co.uk/what-does-an-iva-do-to-your-credit-record A few firms have started to advise clients to contact the CRA's , but i...

I got a Vanquis card while the IVA was still on my credit files (but after I had come off the Register) --- although it took me quite a while after that to get the courage to use it ! Thanks Foggy that's quite helpful. I keep getting invitations from Vanquis and other such providers, but was reluct...

Hi, We are also with Johnson Geddes due to complete next month, Did you have a final review? We had a review as our income has changed last month - do you think we will still need another review? Hi there, sorry for the tardy response. Yes I had a final review with Johnson Geddes. It happened just ...

Hello everyone I have at last completed my IVA. Just received the final letter from Johnson Geddes attaching what they say is the Certificate of Completion. I just wanted to check that ewhat i've got is what I should be expecting: 3 sheets of A4 paper: the 1st addressed to all known creditors summar...

Hi, I've been on an IVA since 2011 and it should have ended this November, but I had a six month payment break as a result of being made redundant. It should now end next May. I'm very sorry if this sounds so trivial compared to some of the experiences people have reported on this forum, but would m...

Thank you both very much for your responses, most helpful

Could someone please tell me if there is a maximum amount of time you could take as a payment break through the life of your IVA? And would this time be aggregated - i.e. if the max is 6 months does that mean that if you take two breaks of three months each, that's your lot? I am currently in the fi...