Hi everyone & Happy New Year! This is a post I have planned on writing for years (with a good or a bad outcome) as I know it was an important topic we had searched high and low for when we were in the IVA. We wanted to know if there was a glimmer of hope in the future for people like us who had been...

Yes I know what you mean Mel, but looking on the bright side I now only have a month before I can officially begin to try & rebuild my credit score to hopefully one day be in a position to buy a house. I would like to thank you as a frequent forum reader for taking the time out of your busy schedule...

Hi Everyone, Just thought I would share my news that my IVA journey is officially over as I have now after 11 months after my final payment (due to PPI issues, then a paperwork backlog) received my Certificate of Completion from Kingsgate. It has been by no means an easy journey; one which at times ...

Update 1 I received a response this time from a different different member of staff, who again described my case as being with senior management awaiting to be signed off. They added they could not give me a timescale as to when it would be signed off, but they could provide me with a letter that ba...

Thanks Luluj. Yes I will keep chasing until I get a result, but am miffed that it has come to this & I have to. Thank you for adding your story George123 even though I am sorry to hear you are stuck in limbo too! Did you have the letter which altered the t&c's of your IVA? If so, if it was the same ...

After 5 years in February I made the last payment to my IVA. I won't lie at times it was a hard, a journey that many a time I thought would never end. But eventually time as it does passed by and here I was at the end of my agreement ready to move on with the next chapter of my life. Unfortunately t...

We are waiting for our certificate from Kingsgate too due to PPI issues. Last payment was back in February. We are now in our second 3 month extension which runs out at the end of November. No end in sight as of yet!!! :0(

Thank you very much Lesley :0)

Sorry I have posted the question twice!!! A newbie error. Thank you both Lesley & BOL I will contact Ryan :0)

Hi we just wondered if anyone could offer us any advice. We currently have 7 more payments on our IVA until completion (60 payments) and are wanting to make a decision about the next step in our future new debt free life (so excited!!!) We currently rent our house through the local council. In the p...

Thank you very much Lesley.

Hopefully Ryan will see this post and be able to offer some valuable advice.

Hi we just wondered if anyone could offer us any advice. We currently have 7 more payments on our IVA until completion (60 payments) and are wanting to make a decision about the next step in our future new debt free life (so excited!!!) We currently rent our house through the local council. In the p...