IVA Advice Needed ASAP

howie94

angel_rainbow wrote: »

All very odd! Only your IP can remove your record from the insolvency register and this can only be done upon completion. Mine ended in December last year, but as I'm waiting for my completion certificate under the HMRC fiasco I'm still on the register. Have you asked this question on the IVA.co.uk website? If not, I would be tempted to ask the experts on there.

Hi

On my credit file it states settled on a specific date and ive also checked the IVA register and there is no trace of my name or my partners names or adressses ?

thanks

howie94

Hi all

On our both credit files it shows completion on a certain date and there is nothing of both our names showing on the IVA register....

thanks

DebtCompanyInsider

Hi howie94.

I hate to be the bearer of bad news, but I'd imagine that your IVA was cancelled on the grounds of your non-compliance.

That would usually mean that you become directly responsible for your debts again.

One way to confirm this might be to consult with one or two of your creditors to discover whether or not they believe that debts remain owing to them.

Gimpsdad

Your debt cannot become statute barred until earliest June 2014, and even then the debt doesn't actually die, it just means that you cannot be pursued through the courts for it. A creditor may write it off, but then again they may not. I have to say that I agree with DebtCompanyInsider as regards the IVA being cancelled, you look to have avoided the major backlash from your creditors simply by moving house it seems. The new occupiers may be a bit cheesed off with your mail though.

howie94

hi

All mail was redirected on the house move so new occupiers would'nt be too cheesed off ??? also regarding debt creditors ,my credit report shows nothing apart from 1 creditor which remains on my credit report that originally was included in the IVA, id like to mention i spoke to my local CAB office last July 2011 and they stated that as im not on the IVA register nothing shall come about it after 6 years as all creditors couldnt persue as it would be debts as old as 6-9 years old ?

thanks your advice is appreciated.

howie94

Hi

Just an update- if the IVA shows settled on the 3 credit file accounts, without the IVA completion certificate will thie IVA settled leave my reports likewise with previous defaults ???

kind regards

MoneySaverLog

DebtCompanyInsider wrote: »

One way to confirm this might be to consult with one or two of your creditors to discover whether or not they believe that debts remain owing to them.

Not a good idea, before April 2013, as the 6 year statute bar clock will start again if you contact them.

howie94

MoneySaverLog wrote: »

Not a good idea, before April 2013, as the 6 year statute bar clock will start again if you contact them.

MoneySaver

100% aggre with you, time will tell i think 5 anxious months;)

regards

National_Debtline

MoneySaverLog wrote: »

Not a good idea, before April 2013, as the 6 year statute bar clock will start again if you contact them.

Hi all

Please note that the clock would only be restarted if OP made written contact. A phone call would have no such effect.

I am presuming that the above post meant to read April 2014 by the way!

Regards

Dennis @NDL

baldylady

I am in a similar situation. My IVA failed due to non compliance but does show as completed on my credit file (not settled like you) I dont appear on the insolvency register and I havent been chased by creditors either... maybe it was a 2008 thing