Thanks for that Foggy. They're not connected as far as I am aware, but they all seem to be linked together in some way! 7 years after??? Blimey, that'll be 2017, so they will hate me til then, and I will have been 'punished' for young stupidity for 12 years :( Bad times! I am looking at going with a...

Just browsing the thread, and this is very interesting! I just had an application turned down as somehow they found that I had an IVA in the past (I completed it in 2010 so it should be well gone by now!) Anyone know where they would have seen a record of this? Nothing showing on Equifax or Experian...

Hi beccy Seems they make a habit of this! I had to dig out bank statements from 2005 to prove I made a payment on acceptance date, and emailed them a table of payments to show I had made 60 payments. They didn't seem to understand at 1st, but I persevered, and they finally accepted my maths! While I...

I got a coldcall on my mobile yesterday, from some finance company. He had all the speil, told me he was authorised by the government to 'write off my debts and arrears'. As I was on my break, I humoured him for a bit, and told him quite truthfully that I had no arrears or debts, and to remove me fr...

My IVA completed on 4th Oct 10, and received my cert yesterday, so depending on your case, can be 4 months

Mine was delayed due to creditors dividends not being paid for some reason

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Go team! Brilliant news
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Just wondering how Paula got on yesterday?

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Great news hayley! May your road to debt freedom be a smooth one

good luck to Paula, and all the others with meetings in the coming weeks

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So glad you're sorted! Buying a house must be stressful enough, without all this malarky on top

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We were all in the same boat at some point Paula, I remember it like yesterday! I went on a cleaning and DIY mission when I was waiting! Like the others say, your IP wouldn't have put your offer forward if they weren't confident about acceptance. Use the forum for support, one of us is always around...

Beat me to it Michael!

Not sure about this, but one of the professionals will be along soon with some answers.

Take it your both having some issues with your firms, have you spoken to your IP, or office staff?

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Great news both of you!

Michelle, just call your IP firm and they'll let you know what you need to do.

I treated myself on the 1st month, saved the 2nd, booked a holiday with the 3rd

Now its a bit of both, and no credit in sight 5 months on.

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Great post Luluj! Love to see success stories on here, I'm sure it helps people out, no matter where they are in their IVA's.

It just proves that there is life after debt, and I wish you all the best with yours

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An IVA is not forever! Yay, well done to you in getting to the end, what a great feeling.

Please keep posting to let us know how you find your new debt free life

Cx