Got my completion cert after 19 months!

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JoJo79

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Post by JoJo79 » Fri Sep 13, 2013 4:55 pm
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I just wanted to come on and tell you all that it really is worth pushing for your certificate. Or at least it is with Grant Thornton anyway.

I made the final payment Feb 2012 and I was calling them once a month to chase it all up and was getting no where. It wasnt until I joined this forum and saw the suggestions to write to them by email and post, quoting this forum, that I actually got somewhere.

I got it yesterday, and the day before I got promoted. So perhaps we can finally put our flat on the market- a year later than planned.

Anyway, it really is worth pushing them! I emailed GT at ivacustomerservices@uk.gt.com, quoting my ref number and "IVA forum" in the subject line. I got a promise for regular updates, which I didnt actually get but thats probably because they closed my file much quicker than expected.

[:D]
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Foggy

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Post by Foggy » Fri Sep 13, 2013 5:36 pm
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Well done and congratulations on the certificate AND the promotion :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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luluj

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Post by luluj » Fri Sep 13, 2013 7:14 pm
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Great news all round ... Have a wonderful weekend !
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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clairemichelle

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Post by clairemichelle » Fri Sep 13, 2013 7:37 pm
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Fab news. Well done and here's to a wonderful future.

Cm xxx
Iva payments complete 5sept13. Cc dated 15oct13
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viperboyz

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Post by viperboyz » Fri Sep 13, 2013 7:41 pm
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Congratulations and yes keeping on thier case really does make them move it!
Time to end of IVA 0 days
Time to end of GT dealing with it...CC recieved after a battle royal !!
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12 months to go

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Post by 12 months to go » Fri Sep 13, 2013 7:51 pm
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well done from me also

its a great feeling also

you should find once you have dropped off the insolvency register that your credit file then reflects a superb score

be sure however to check your credit file for a few months , as one of the CRAs has an annoying habit of mentioning your iva has been completed in the " notice of correction " field. this ,means should anyone check your credit file they see you have had an IVA which defeats the object of the insolvency service wiping the slate clean

you will find after a few months your score is perfect. 10 months after my CC was issued , ive just borrowed £5k for a new boiler , so there really is life after an IVA

well done again , go celebrate
Last payment made April 2012
Certificate received 1st Nov 2012
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Shining

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Post by Shining » Fri Sep 13, 2013 8:04 pm
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Fab news on both counts, enjoy your debt free future. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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MelanieGiles

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Post by MelanieGiles » Sat Sep 14, 2013 1:05 am
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Better late than never. It must be an absolute relief to get the precious piece of paper. Very glad to hear all is resolved for you now.
Regards, Melanie Giles, Insolvency Practitioner
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JoJo79

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Post by JoJo79 » Sat Sep 14, 2013 7:15 am
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Thanks everyone, and particularly to 12 months to go. The fact that you've secured a loan soon after is really encouraging.
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