When is it really over!!!!!?

[Jojo124]

Hi everyone I am new to posting on here and only have 3 payments left to make but I was wondering what happens after that!!! Do I need to wait six years from start date to start the process of making things right or Six years from the date of completion?
Just very excited it all to be over!!!!! [:)]

[kallis3]

Hi and welcome.

Well done for being so close to the end.

Your IVA will stay on your credit file for six years from the date of acceptance and then will drop off.

Once you have finished then check with all three credit agencies, Experian, Equifax and Call Credit to see if any defaults have been registered since the date of acceptance, if they have then you will need to send a copy of your completion letter (when you receive it) to the data controllers from any creditor who has done this and tell them to remove the defaults.

[Shining]

Well done on almost being there. Hope the post above helps and any other questions do ask. x

[Jojo124]

Many thanks it's been a really hard five years but if nothing else has taught us a valuable lesson when it come to money years of hardship because of mistakes made when first married.