Our IVA was completed in Dec 2019 Was looking at getting a 95% mortgage share ownership property with help to buy scheme. Spoke to mortgage advisor who then spoke to someone at Leeds building society (Apparently only mortgage company offering 95%) who advised that we couldn't get a mortgage until 6 ...

Hi I'm in the same boat, Last payment was 25th December since then I've not heard anything from them.

I've used their online portal and this shows I've paid all upto date with no further payments required.

Also I use some credit score apps and noticed this over the last five weeks my credit score has basically the worse its ever been, is this due to the company's not being paid by the IP? Your credit score means nothing until such time as the end of the IVA filters through when it will go up and then...

Also I use some credit score apps and noticed this over the last five weeks my credit score has basically the worse its ever been, is this due to the company's not being paid by the IP?

Thanks for your responses.

I spoke to aperture a few months ago who confirmed that December would be the last payment month, also use the client portal which again shows N/A for next payment date.

Morning So I've paid my last IVA payment on the 25th December, My IVA was for 6 years and all up to date. I've sent all my paperwork back for my final review. Do I now sit and wait and hopefully get my certificate within 6 months. I was with aperture (Ex debt free direct customer) and have heard som...

Was anybody else in an IVA with Debt Free Direct and moved over to Aperture?

I've got 9 more payments left on a 6 year IVA and was just wondering what they are like to deal with.

Many thanks

Shaun Vickery wrote:

Sorry Neil, I wasn't very clear in my response....yes 6 years from commencement.

Kallis I think from Neil's original post it was extended due to missed payments.....Neil?

Yes that's correct extended due to missed repayments

Shaun Vickery wrote:

The IVA will stay on your credit file for 6 years, or until it is settled if that is later. Sometimes it can take a few months before the Insolvency Register is updated so probably there will be a slight delay.

Is that from the day when the IVA started?

Thanks

We was suggested by DFD at the time that due to not owning our own house, they would only arrange an IVA for 72 months (6 years)

<t>I've been in an IVA since September 2012 which has lasted for 6 years due to not owning our own property after missing a few payments this has been extended to January 2019.<br/> <br/> I've been reading that the IVA stays on credit records 6 years after it started so would that mean as soon as th...

Is there an easy way off working out the 10%/50% rule on overtime.

Is it worked out on my Total income or Fulltime/overtime??