Maybe you need a good chat with your IP. Every pickle has its solution. You will more than likely have a charging order on your property so can't just sell and do what you like with the equity. I know you obviously thought about this and can see a glimmer of hope but I'm afraid you would benefit fro...

Oh no I don't for one minute think the IVA will just disappear off my record. I think I was just a little surprised at the comment from the lad on the telephone.

Well done....enjoy your day!! I finished mine last week and I received my certificate very quickly so I hope you do too.

Thanks. I need a car as mine had to be sold as I didn't think it would pass the MOT. I'm a little impatient so emailed my bank to ask if there was any chance of an overdraft, the lad on the telephone said oh no not if you've been in an IVA.....!!! I guess even after paying my dues for 6 whole, long,...

Yes the company has been great and Beverley + co have always kept me informed, answered emails promptly etc

Yeah I've got my own copy too that I can photocopy if needed.

I meant to say the 3 "agencies" - Experian Ltd, Equifax Ltd and Callcredit PLC x

Ah thanks - yeah the dog is snoozing now xx

Oh the real reason for the walk was to post the 3 copies of the cc to the credit agency to sort my credit record out! The IP included the 3 copies for me to send along with the addresses...how fab was that? Made it really easy for me.

Congratulations!! I received my cc today. I didn't have to wait too long for it but the good thing is I've sent the copies that we're sent with my cc to the 3 credit agencies already mentioned. My IP sent 3 copies and the addresses making it really easy for me - thankfully. Just been to post them so...

Thanks everyone for the lovely comments. Here's the good news - my completion certificate came through today!!!! Actually I received an email with an attachment that had the completion certificate in it along with all the other documents yesterday. Amazing! My IVA finished officially on Friday 9th M...

Yes a mug of hot chocolate sounds great!! Shame I've got to work but it will keep me busy until Friday. It's been a tough journey and for those who are just starting out - stay strong, it may seem like a million miles away but you will get there x

thanks guys.....!

My IVA officially ends on Friday 9th March...I'm hoping the completion certificate comes through soon as I've paid an extra years payments as I couldn't re-mortgage. I'm just eager to get it all concluded.

Jasp

Not sure when it gets easier - I think you just have to take each month as it comes. You still get the usual problems and things that need sorting along the way but an IVA makes you prioritise even when you're not working with much "disposable". I always kept in touch with my IP which was Budsworth....