Hi, I have recently received my completion certificate and I realise defaults on credit file will stay on for 6 years but should by balances still be showing on the accounts or should the balances reduce to £0.00. Makes me very nervous that my creditors still think I owe them more money….

Hi

I understand about the default date but should the balances not reduce to £0.00?

Hi, My name has been removed from insolvency register and it shows my Iva has finished on my credit report however all my creditors still have on credit report the old balances which looks as if they are still owed. Do I have to send all my creditors copies of my completion certificate and ask them ...

Hi All, I have just received my completion certificate and what a relief to have it!! Who do I need to send copies of it too or what do I do now to try and rebuild my credit score?
Thanks in advance for any advice

Hi with only being in my iva for 3months now could u please explain what is a subject access request? Also would I be best doing this or is this for people nearing the end of their iva?

Hi my husband and I only started our iva in march 2019.we are really struggling to budget which is probably why we ended up needing an iva in the first place!! does anyone have any tips? Because at this rate it's going to be a long 5 years lol

Today my first payment has gone to my iva and I cannot Express the relief I feel!!! Thank you to everyone who has answered my questions thus far especially foggy and kali who have responded to all of them.no doubt I will need your expert help over the next 5 years!!! Only 59 more payments to go ther...

Hi I get an annual bonus.do I pay all of it into my iva or do I get to keep some of it? Also will they take the bonus figure or the figure I recieve after tax and national insurance as it will be subject to both of these?

I too have only started on my iva process.my creditors agreed on the 22nd of March 2019.my dividend was only 13p and I thought I had no chance but stick with it .I personally had no modifications but my IP did have to lower their fee to get 2 to accept.i wish u the best of luck at your meeting.the w...

Hi I have just had my iva accepted so I'm new to all this so sorry if this question seems stupid.as my pays are never the same due to hours going up and down each month I need to keep a clear picture of my income over the year to make sure it's in the guidelines of the income/expenditure report of i...

Iva passed!!! Feel like a tonne of stress lifted off my shoulders!! Thanks for all your help guys x no doubt I will be getting a lot of advice off youse all over the next 5 years!!!

Unfortunately I will be working so it will be late afternoon before I can phone them

No rejection letter in post today so that has lifted my Hope's.fingers crossed for monday

In that case would they not adjourn and try to get them to vote for a second time?

Sorry mean can't see what's happening when putting in reference number