Hello, my full and final settlement offer was accepted on the 10th December 2014 completing my IVA 11 months early. It has now been 6 months and I am still waiting for the completion certificate, does it normally take this long?
Many thanks
Unfortunately the time it takes for your certificate to arrive depends on each set of circumstances and to a certain extent who your IP is. If PPI requirements are still outstanding or creditors have not yet submitted their final claims this will also impact.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
The issue of the CC takes as long after an early settlement as with the full term arrangement and, to a degree also depends on which company you are with. Some take a few weeks, others take a full 6 months plus.
I would drop them a line asking if there is any particular hold up and if there is anything they need you to do.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
My F&F was paid in October 2014, still waiting for my CC as one creditor is taking forever to confirm their receipts of dividends etc. Very frustrating indeed
IVA Accepted - Sep 2009
F&F Accepted - Oct 2014
CC Received - Jul 2015
