Did some searching and found a letter template - going to give them 28 days to remove the entries or report to Financial Ombudsman.

Such a pain.

They said someone would ring me back within a few hours to explain why they think my account wasn't fulfilled by my IVA - 3 days later no phone call.

I finished my IVA in June 2012. Got my completion certificate from PayPlan. Last year everything came off my credit history and I got a credit card, moved to a better bank and have been slowly building my credit rating since. Everything going well and finally looking like I might be able to get a mo...

Ooops just realised I posted this in new questions instead of success stories. Sorry!

My last few posts on here have been frustrated ones wondering why I hadn't got my completion certificate etc.. etc... but things are a lot more positive now so thought I'd post something up to give a bit of hope for anyone else frustrated My IVA with Payplan ended in September last year (was meant t...

Thanks!!

I'll give them a ring at lunch time and see what they say

Looks like this will be fun - Apex have no phone number or any details of how to contact them on their site (http://www.apexcm.co.uk) and 'Max Recovery' don't seem to exist any more :( It's weird because my original debt with the people I took the cards out with is marked as settled - but the portio...

Hrmm it would seem all is not brilliant I've been signed up on experian for a while - they don't show any of my old debts and give me an 834 credit score But I've signed up today with equifax and 2 of my old debts that were part of the IVA are showing as defaulted rather than settled :( I tried to s...

I finally got my Completion Certificate through yesterday from Payplan after making my final payment in September last year... HUGE relief Does anyone have any links to advice on how best to rebuild my credit rating now? Me and my girlfriend really want to apply for a mortgage in a year or two but a...

Janey - when did you complete your IVA with payplan?

I made my final payment 6 months ago and still have had no paper work from them at all

Hi Gemma, yes I'll drop you an email.

Niobe - surely they should be the same thing

lem - I understand what you're saying - but the personal insolvency register have said I should be removed after 3 months, and asked me to send my completion certificate in - but I don't have one. I've signed up to equifax and others - none are showing my old debts at all, in fact on a few I've got ...

I've just had a letter that I read briefly before heading to work that said something about them doing another meeting to discuss how to distribute VAT or something *sigh* My biggest problem with the whole process is how completely miss-sold I was on it. They made out it would be 5 years of payments...

Hi lesley, Thanks for the quick reply - yes sorry I did just do a search and have seen many others have the same problem. It's very frustrating as you're told when you start that everything will be clear and you can start rebuilding your life. Me and my partner are keen to try to get saved up and ap...

I made my final payment to PayPlan a little over 3 months ago. The original completion date for my IVA was 5 months ago but I had to skip 2 payments when I was made redundant so it was extended. But even though it's been over 3 months since I made my final payment I've had no letter to say it's comp...

I'm still fuming about this I have contents insurance which I pay monthly - no problem I had insurance on my car for 5 years with monthly payment - no problem Now all of a sudden it's an issue? If I could afford to pay £577 in a single amount I probably wouldn't be in a debt management plan in the f...