Hi Bridgey,

You may find this short video useful in preparation. https://www.youtube.com/watch?v=kmJhM3Qig6c

Hi Welsh Wiz, Congratulations on getting your certificate! As you know the completion certificate is proof that you have completed your IVA successfully and the Insolvency Service register will remove your details but this can take up to three months. Keep an eye on your credit record in the meantim...

Hi Markdr54, There are members from DFD on this Forum, one lady posts quite regularly - Judith Anderton, hopefully she will pick this up and move this problem along for you. I managed to find an email address linked to this forum too if that helps at all? DFDForumSupport@fairpoint.co.uk Hopefully yo...

Hi Debbie W It's definitely good to do some research about the options available to you, however it can feel like a never ending information overload. It is important to speak to a professional who is qualified in explaining all of these options you have found and provides you with advice tailored t...

Hi AdMc27,

Have you sought any professional advice? I would certainly recommend you speak to 2 or 3 different companies and explain your circumstances in detail. You will certainly get a better picture to where you stand financially prior to your move and the best solution moving forward.

Hi Rockman, I can't give you the definative answer on when you will get you Certificate, the timescales do seem to vary with each company. Keep chasing them though! I just wanted to post this link for you as it may be on use to you with sorting out your credit file post IVA. Your IVA will remain on ...

Hello Steve, we have a section on our site which gives advice on your credit rating post IVA, it maybe helpful for you. http://pjgrecovery.com/clean-up-credit-rating.asp

Well done! That's fantastic news, good luck with your debt free future.

Hi Trina, Welcome to the forum. In answer to your question, whether you rent or have bought you can still enter into an IVA. If you are renting your landlord should not be able to find out you have an IVA unless you tell him, although you should check the clauses of your tenancy agreement to ensure ...

Hi Simond, As others have said its worth doing a little research into the companies available as you will be working with your chosen company for 5-6 years. There are lots of discussions on this forum which can help in your research. Once you have a few companies in mind give them a call and chat th...

Congratulations John! As Kelly has mentioned there is an article on our site to give you some help and advice with rebuilding your credit file. PJG Recovery have also created a short video which you may find useful on our Debt Advice TV channel which discusses the most frequently asked questions rel...

Hi Jenny, It sounds as though you have given this a lot of thought, I would definitely agree with the others on this thread that your next step is to pick up the phone and speak to a few different IP practices. The advice shouldn't cost you anything and will help you make a decision how to proceed.

Hi Chris, You definitely should speak to an IP for some advice for your specific circumstances. A full and final offer can benefit all parties as creditors get their monies sooner than usual and you get your debts sorted in one go. If the money can be raised then it certainly sounds like a good opti...

Hi there,
Your IVA will drop off your credit report 6 years after you IVA has begun. Therefore if your IVA lasts 5 years then 12 months after completion will equal the 6 years from the start of your IVA.