We have 2 tenants in the same block of apartments as me who have been made bankrupt, the management company says we cant charge them service charge fees whilst they are bankrupt,only fees for before and after their bankruptcies, is this correct? Obviously their lack of payments mean the rest of us h...

Thanks....
I forgot the insolvency register and my credit file were seperate....I presumed it dropped off the insolvency register automatically after 6 years, it never occurred to me I still had to get it removed.

Hi Folks, hope your all well! I finished my IVA after 5 years, paid everything that was due, and it was all sorted and I havent paid anything since. My IVA finished a year ago and I still havent had a completion certificate!! I have chased the matter 3 times and been told that its down to "reclaimin...

Good luck Kizzy. I planned for 5 years, and nearly had to do six! ....It is a blow when you come all that way, then think, oh god...ive another year to do ;o( I hope it works out for you...I learnt from my IVA its best if YOU can control your IVA in the direction you want it to go in, rather than th...

Well it is strange we are all getting these letters before our names are removed off the register, and often before we even have our completion certificates!! but around the time our completions take place! someone seems to be notifying the junk mailers!

I think my IP charged £500 for each of my variation meetings!...obviously if the remortgage is accepted as a full and final you will save on the IP fees for year 6 anyway!. My full and final offered below the amount promised at the start of my IVA ( i think creditors do realise the world is a differ...

You have a few countdowns on the go dont you Jan! lol I have a couple of small pensions on the go that my parents carried on paying for me when my IVA started, but i wont be UNLOCKING them with Otheroptions.co.uk. The letter states "why not unlock your pension and spend the money on say a holiday!!!...

I agree with kaykay, I would ask the matter to be put to your creditors, whilst your IP can advise you, they dont know which way your creditors would vote at the end of the day. The offer should be "finish at the end of 5 years and they get the remortgage money OR you just carry on as you are till e...

Im still on there, but it says records remain as "current" until 3 months after they have been discharged !

Presumably companies can get a list each week of who has been removed from the register the previous week/month?

I got a letter from them this morning too! saying congrats that your IVA has come to an end....As my IP hasnt sent me my completion certificate yet, its nice to know someone has advised me that I have presumably been removed off the IVA register!! even if it was Otheroptions.co.uk!![:D]

I never got to speak to my IP once in the whole 5 years of my IVA.....I recon if i had spent 5 years phoning the prime minister I would have probably had more success !! lol[:D]

I was granted a remortgage DURING my IVA to offer a full and final (then the financial crisis struck) and they withdrew my mortgage offer and the F and F failed. It WAS possible to remortgage during an IVA, but obviously the world financially is a very different place now...so you were not necessari...

Maybe the change just happened to coincide with my IVA!...I did owe HMRC money, that was included in my IVA.
Thanks for the advice anyway.

Just not being bombarded with credit offers from all and sundry by phone, post, e mail and text is certainly the first refreshing step![:)]