We completed an IVA about four years ago and received our completion .one of our creditors was alliance and Leicester who were taken over by Santander . I received paperwork today from Santander saying Money was outstanding even though this amount was part of our IVA. Unfortunately I shredded this i...

We completed our IVA about 4years ago and still receive these .today I received one from Santander who took over Alliance and Leicester with an outstanding balance they said I owed but this was part of the IVA . I thought this was against the law for them to continue after completion .

It took us over 2 years from final payment until we received our certificate but within a week we were off the insolvency register. Good luck it will happen

We made our final payment in may 2011. Signed all the PPI forms in 2012 and received our certificate in July of this year after many excuses . I still can not believe it is finally all over.

2months to wait for your certificate ?? You must be with an excellent company. 2 years has been the norm if you are with a certain company who will be nameless but we all know who they are.
I am totally free now with certificate filed away after a very long wait Good luck

In 2006 we took out an iva as we were up to our eyes in debt. We only got our closure a month ago and although it was over 7 years from the start I would certainly recommend an iva as the feeling of a debt free life is wonderful we don't care about credit scores as never again will we think about ge...

This forum was such a good help and the support of everyone kept me sane especially in the final months when we thought our certificate would never materialise. Good luck on your journey

We received our completion certificate 2 weeks ago after a long hard battle but today our names have been taken off the insolvency record. This certainly feels good.

I think I may have kissed the postman but don't tell the old man

Melanie you are so right especially about the fat photo !! I did think about framing it but then do I really want visitors to see what a fool we have been in not keeping a check on our finances. I am not bothered about credit scores as never never will we ever get credit again. If we can't pay cash ...

Well it finally arrived this morning as Karol promised. The elusive completion certificate after a bit of a rough last lap through overpaid fees and PPI. We started way back in 2006 and just avoided another anniversary on Aug 1st when it would have been 27 months since our last payment . Anyone thin...

I agree it was so good for Karol to call us. She didn't have to do this but said she wanted to especially as we have had a difficult journey. Hopefully those starting out now won't have such a difficult end to their IVA,s as all this PPI stuff may be sorted . Without this forum we would have been co...

We have the biggest smiles on our faces today. Karol from GT has called to say our closure cert is in the post . She wanted us to have the news in case it did not arrive before the weekend. Our journey is finally over. Thank you everyone on this forum for supporting us and reading my rants. I will c...

Ours is in fact 2 years and 2 months since last payment .

That's right. Ours is back with the closure team again after creditors agreed for closure but that was back in May and we are still waiting