Hi, My IVA started on the 10th August 2010 and I received my completion statement dated 29th September 2015. I have checked the Insolvency Register and this shows my IVA completed on the 29th September, but it hasn't been removed yet. I understand this will take 3 months, but I have read quite a few posts where people have been removed within a few weeks of completion. I don't feel this is 'treati
ng people fairly' as the same timescale should apply to everyone. Is there anything I can do about this. Any comments greatly appreciated.
It can take up to three months to remove the record, some are done earlier but there is nothing you can do as they will just tell you that it will take three months.
Mine was done within weeks but some people (and Foggy is one) was not taken off until the three months were up.
Afraid you are just going to have to put up with it!!
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
Technically any iva before April 2010 should be removed immediately after cc is issued.
Post April 2010 it is up to 3 months.
That's the way it is worded so the insolvency service aren't doing anything wrong.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
It's just the way the cookie crumbles - some come off quickly others don't but it will always be within three months.
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
We were taken off exactly 3 months to the day after completion, and we concluded our iva a few years earlier than planned.
I think it depends on how quick the iva co inform the credit agencies and insolvency register people, and I'd imagine that some like to drag their heels about it.
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!
Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA
Completion Certificate received- 30th April 2015!!
If there's a way of hurrying things along then go for it, send a quick e-mail.
Otherwise just be grateful that you have completed and keep checking to see when it is removed.
Congrats on the completion [:)]
The hardest part is telling a stranger about your problems ...... it's also the most important!
There isn't a way of hurrying it - it's just the luck of the draw.
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
Check to see if the IVA is shown as completed on the Register. If so then they have already been informed by your IP.
When you come off the Register depends entirely upon who picks up your docket. Most will take it off right away, but there are others who like to appear busy by keeping their in tray full.
When I queried this with them they stated categorically that the name remains for three months and the never remove them early. When I went on to challenge this they simply stopped responding to my emails!
I would say that sending a polite email with a copy of your CC is worth a try --- it might get picked up by someone who actually works for their salary.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I agree it shouldn't be the luck of the draw or however else you can view it. One rule fair and simple. But then IVA's should be like that too especially at closure time and again it's not. Maybe more regulation required?
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
