Paid off IVA early

hi all, going back several years I got into some financial trouble and entered into a IVA, I was paying the monthly charge every month with no payments missed, I then had some inheritance from my late mother and paid off the IVA early, I was told that I would receive a certificate of completion, this was last April and I still haven't heard anything from them, I did send them a email going back last year but just had a email back saying it takes time to sort out, should I have received this by now and is there anything I can do.
TIA

Comments

  • sammyjammy
    sammyjammy Posts: 7,886 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    have you checked the insolvency register?
    "You've been reading SOS when it's just your clock reading 5:05 "
  • It should take no longer than 6 months, as it has been longer than that you have grounds to log a formal complaint to the Insolvency Practitioner. 
    As above, do check the insolvency register and all of your Credit Reports (Transunion / Equifax / Experian) for 'Discharged / Settled / Closed' etc on the public record section.
    If you believe you can, you will. If you believe you can't, you won't.

    Secured/Unsecured loans x 1 
    Credit Cards x 8 (total limit £51,300)
    Creation FS Retail Account x 1
    0% Overdraft x 1 (£0 / £250)
    Mortgage Outstanding - £138,087.38 (Payment 11/360)
    Total Debt = £1,125.00 (0%APR) @ £112.50pm


  • have you checked the insolvency register?
    Hi, yes I have just checked that and it still shows as cuurrent
  • It should take no longer than 6 months, as it has been longer than that you have grounds to log a formal complaint to the Insolvency Practitioner. 
    As above, do check the insolvency register and all of your Credit Reports (Transunion / Equifax / Experian) for 'Discharged / Settled / Closed' etc on the public record section.
    Thank you for your help, I have just checked the insolvency register and and the credit reports and they all say its still current, so I have sent a formal complaint to Creditfix, lets see what happens 
  • Jools0506 said:
    It should take no longer than 6 months, as it has been longer than that you have grounds to log a formal complaint to the Insolvency Practitioner. 
    As above, do check the insolvency register and all of your Credit Reports (Transunion / Equifax / Experian) for 'Discharged / Settled / Closed' etc on the public record section.
    Thank you for your help, I have just checked the insolvency register and and the credit reports and they all say its still current, so I have sent a formal complaint to Creditfix, lets see what happens 
    Make sure you have all relevant evidence (emails / bank transaction of paying f&f settlement) documents etc. Good luck, you are doing the right thing it shouldn't take any longer than 6 months.
    If you believe you can, you will. If you believe you can't, you won't.

    Secured/Unsecured loans x 1 
    Credit Cards x 8 (total limit £51,300)
    Creation FS Retail Account x 1
    0% Overdraft x 1 (£0 / £250)
    Mortgage Outstanding - £138,087.38 (Payment 11/360)
    Total Debt = £1,125.00 (0%APR) @ £112.50pm


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