Cheers for that Kelly... very helpful as usual.

Just to confirm.. when completion certifiate comes then check credit files and ensure the date is correct and then would I repeat this 6 years later? or would that not be necessary?

Also would I send them a copy of the certificate or the original?

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Kelly O There is little point in doing anything with your credit file just yet as you can't start to clean it up until your IVA is complete. When you have your completion certificate you can send this ...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by wiggle1 Congratulations dlovesg and Russ. Cheers wiggle! I was going to start a new thread but may as well post on here now. What is the process now generally for cleaning up or correcting my credit fi...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles Congratulations - so pleased for you, and Sue and I look forward to working with you for the duration of the IVA. Thank you so much for choosing our firm to represent you. The pleasure was...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by dlovesg Congratulations russ, ive been looking all day for your good news, were there any modifications? Wishing you all the best and i hope your celebrating x Cheers! The only modification was somethi...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles Russ I am so sorry, I did not realise you were one of my clients (or strictly speaking I should say Sue's - although I think of all of our clients as mine!) Very best of luck for tomorrow'...

IVA approved!!!

I am one happy man.... Big up to Mel Giles and her fantastic team!!

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Rich

Hi Russ
they were one of my Creditors at my full and final meeting and they said yes so will be thinking of you good luck

Thanks Rich! I have reason to hope! [:p]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by MelanieGiles

They are generally a very supportive creditor Russ.

Thanks Melanie that is of some relief... when I called the office yesterday Aime pretty much said the same [:)]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by dlovesg Thank you all so much for your kind words, it is a massive weight lifted from our shoulders, we are looking forward to being debt free and looking to the future with no credit, once again thank...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by lin.r Russ,Co-Operative were one of our creditors and they didn't vote at our creditors meeting. Don't know if this helps? Good luck on wednesday! That's cool thanks for your response. If they also do ...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Skippy As far as I'm aware Nationwide don't have a policy of closing accounts. My BR is still showing on my credit file and I've had an account with them for a long time without any problems. Thanks fo...

I am with Nationwide... does this mean 'hopefully' if my IVA goes through they will close my account?

Just to add Nationwide are not one of my creditors.

Evening guys, hope you are all well. For those of you do not know me or read my posts I am about have a decision made on wednesday (creditor meeting) regarding a Full & Final IVA. I was hoping maybe someone can give me some advice or help regards dealing with The Co Operative Bank? Having just gone ...

Sorry to hear that debt tired... I am getting a bit worried now myself for wednesday