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Posted: Fri Jan 06, 2012 5:45 pm
by adad67
Hi all,
I just received my completion certificate today (Yipee) My Last Payment was in May 2011.
How long will the IVA be on my credit file is it a year? and if so s it a year from the last payment or from the completion certificate?
Thanks in advance
Dave
Posted: Fri Jan 06, 2012 5:47 pm
by ginger3232
Adad67 - well done - congrats !!! - 6 years in total (from the IVA start date)
Posted: Fri Jan 06, 2012 5:48 pm
by clee123
well done!!!!
Posted: Fri Jan 06, 2012 6:09 pm
by orchid5
FAB, FAB enjoy your debt free life now. xx
Posted: Fri Jan 06, 2012 6:12 pm
by Rosepetal
brill feeling isn't it? we kept getting ours out to read it again [:)],well done.
Posted: Fri Jan 06, 2012 6:16 pm
by kallis3
Excellent news, really pleased for you.
Your IVA will remain on your credit file for six years from the date of acceptance. You will need to check all credit agencies to make sure there are no defaults registered after the date of acceptance. If so then write to those creditors enclosing a copy of your completion letter and tell them to remove the defaults.
Posted: Fri Jan 06, 2012 7:26 pm
by Gina.gu
Some great news to cheer me up
well done. Glad you are so happy
Posted: Fri Jan 06, 2012 7:38 pm
by Rod Newman
Brilliant news, well done. Stand tall and be proud of what you have achieved.
Posted: Fri Jan 06, 2012 7:54 pm
by Foggy
Great news.
Assuming May 2011 was the 5 year point your 6 year penance will be up this coming May! Make sure all of your default dates are on or before the beginning of your IVA and it will soon drop off of your files.
Posted: Fri Jan 06, 2012 8:02 pm
by herbekj
Congrats.
But what bad service yet again by an IP provider, that's nearly 8 months to issue something that can be done in weeks. Any windfall in that period would have to been passed on to your IP provider and lost to you.
Posted: Fri Jan 06, 2012 9:55 pm
by molly16
well done , great isnt it we had ours 2 weeks before a very merry xmas. we paid a total of 6 yrs , so we came of register in december and i sent copy of cert and covering letter to all credit ref agencies and they have removed them . They were there for just over 6 yrs ! great feeling , enjoy it .