www.iva.co.uk

Posted: **Thu Apr 30, 2015 4:41 pm**

Hi All,

Got home from work at 3:30pm to be met by my husband at the door holding a white envelope from Creditfix in his hand.

Our 'certificate' of completion has arrived!

Instructions enclosed regarding contacting creditor rating agencies, along with proof of funds paid- 32.77p in the £ paid back overall, were also included, but no other paperwork surrounding PPI .. yet!

Thank you Creditfix for the quick processing.

I really do want to again say a huge thank you to all who contribute to this forum.
I know its been said a lot of times before by lots of other people, but we genuinely would have been clueless on a lot of things surrounding our IVA if it was not for you all.

I will still be on here contributing where I can, as I found that the support has been invaluable- especially from those who have been through the roller coaster journey of an IVA or Bankruptcy.

To those of you embarking on the journey- hang in there !!

Thank you all.. You are amazing [:)][;)]

Posted: **Thu Apr 30, 2015 4:50 pm**

Congratulations on completing your IVA MrsR I hope you and your husband enjoy your debt free future!

Posted: **Thu Apr 30, 2015 4:51 pm**

Thank you Spencer !!

Posted: **Thu Apr 30, 2015 4:57 pm**

Really happy for you!

Posted: **Thu Apr 30, 2015 5:17 pm**

Congratulations MrsR I only hope we do not have to wait forever for our certificate (we are Gt).
Enjoy your debt free future am surely looking forward to mine.

Posted: **Thu Apr 30, 2015 5:26 pm**

Excellent news Mrs R ..... as they say ....

Onward and upward

Posted: **Thu Apr 30, 2015 7:41 pm**

Congrats MrsR.

Posted: **Thu Apr 30, 2015 9:08 pm**

Thank you again all !!

Quick question, if anyone can help !

Do we have to order our credit reports first before we send in our reports/CC to each of them ? And also, do we send the report/CC to each of the creditors who got the dividend ?
M

Posted: **Thu Apr 30, 2015 9:35 pm**

Your IP will inform the Insolvency Service who, in turn, will inform the CRA's. They will also inform the creditors along with their final report.

Good info here:

http://pjgrecovery.com/clean-up-credit-rating.asp

Posted: **Thu Apr 30, 2015 11:17 pm**

Thank you Foggy- you are a fountain of all knowledge

Posted: **Fri May 01, 2015 5:07 am**

Well done MrsR ... truky deserved x

Posted: **Fri May 01, 2015 7:56 am**

Fabulous news a lovely homecoming and now you're debt free! Well done

Posted: **Fri May 01, 2015 9:03 am**

Congratulations and good luck

Posted: **Fri May 01, 2015 11:27 am**

Vwry happy for you. Now you can enjoy life to the full! Xx

Posted: **Fri May 01, 2015 3:59 pm**

Congratulations MrsR, I am very pleased for you.All the best for the future to you and your family.x[:D]

www.iva.co.uk

Completion Certificate Recieved!