hi vicki i had mine settled in june,and got my completion certificate in aug,my name dropped off the iva register last week,ive just sent copies of my completion certificate to the 3 credit agencies to update my iva as complete,thats it ,no contact from creditors,i have non now.hopefully neither will you after next tues good luck,you need %75 in favour who vote to get it completed.the same as you got it accepted,same criteria.
Last edited by MRBLUESKY on Tue Sep 15, 2009 6:06 pm, edited 1 time in total.
equifax,experian,call credit.your ip will probably send you a ICO credit explained booklet with all credit agencies company adresses,with information on how to improve your credit ratings.
Last edited by MRBLUESKY on Tue Sep 15, 2009 6:15 pm, edited 1 time in total.
Thanks Debtwitch...Its just I've heard all sorts of horror stories where creditors are calling people who have finished their IVA's chasing for outstanding money. I assume it's because you are not legally protected by the IVA anymore?
chasing money that doesnt belong to them is exstortion they could go to jail for that.if any one rings you demanding money,after your iva is complete,ask for their name and company then pass the details on to the police,thats what i would do.
The police will not want to know Ronald. It is not extortion at all. The most it would be is harrassment.
It is unlikely to happen, but sometimes the right informations doesn't get passed on straight away.
Don't worry about it, they can't do anything at all.
The IVA will be on your record for 6 years from the date of the IVA, regardless of when it is completed. You can, however, contact any creditors who have defaulted you after the date of original acceptance, and tell them to remove those defaults. They are not allowed to do it.
Other than that, things like mortgage, bank account, mobile phone accounts, will all go towards improving your credit rating.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Harrassment isn't good, but sometimes these things take a little time - it doesn't happen often and I doubt the police would be interested in it.
To be honest, if it was me, I had completed my IVA and had the letter to prove it, they could do their worst.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
You take care of those eyes David - we want you back fit and healthy after your op!
Thank you for your kind words - I have missed the forum whilst I was away.
I hope you, J and J's mother are all well.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
