IVA
Finished your IVA with ARM Insolvency? Here's what's next.
Finished an IVA with ARM Insolvency? This guide shows how to find who handles it, get your completion certificate and check your credit file, then your next step with AfterMy.
- Made for life after your IVA
- Not an application
Free to use, no obligation. The plan itself won't affect your credit score. It is not advice, and acceptance is never guaranteed.
Written and reviewed by the AfterMy team · Last reviewed October 2026
Quick answerFind your supervisor, then start your Comeback Plan. Your IVA letters and your Individual Insolvency Register entry name your supervisor. Ask them for your completion certificate in writing, check your credit file, then start your AfterMy Comeback Plan.
Who handles your ARM IVA and how to contact them
Your IVA letters and your Individual Insolvency Register entry name your supervisor, the practitioner to contact about your ARM Insolvency IVA. Your most recent letter or annual report gives their current details.
- Search your name on the Individual Insolvency Register at gov.uk: your entry names your supervisor, their firm and how to contact them.
- If your paperwork names Vanguard Insolvency Practitioners: the Insolvency Practitioners Association says Vanguard IVAs are now held by Oakfield Financial Limited and managed by Ebenegate, on 0141 218 4816 or client@
ebenegate.co.uk
Getting your ARM completion certificate
The completion certificate comes from your supervisor, once the last payment is in and the IVA has been closed. Put your request in writing with your IVA reference and keep a copy. Then look yourself up on the Individual Insolvency Register to confirm the IVA is recorded as completed.
Finished your IVA? Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.
Start your Comeback PlanChecking your credit file and the register
Each of the three credit reference agencies, Experian, Equifax and TransUnion, must provide your statutory credit report free. Get all three once your ARM IVA has ended and check that the IVA shows as completed and the debts included in it are updated.
An agency must investigate and correct anything wrong, so send a copy of your completion certificate with any dispute. Check the Individual Insolvency Register under your name as well.
The IVA stays on your file for six years from its start date, or until it ends if that is later: When does an IVA leave your credit file?
What's next: your Comeback Plan
Your AfterMy Comeback Plan starts with what you tell us: the solution you completed, the dates that matter and what you want to do next. It isn't an application, and the plan itself won't affect your credit score. AfterMy has no link to ARM Insolvency. We're a credit broker, not a lender.
Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.
Guides
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Questions
Frequently asked questions
Who handles ARM Insolvency IVAs now?
The supervisor named on your Individual Insolvency Register entry and on your latest IVA letters. Contact that practitioner about your IVA.
How do I get my ARM Insolvency completion certificate?
Ask the supervisor named on your register entry, in writing, once your final payment has been made. Quote your IVA reference.
Will my ARM IVA come off my credit file when it ends?
Not straight away. The IVA stays on your file for six years from its start date, or until it ends if that is later, and should show as completed in the meantime.
What is the AfterMy Comeback Plan?
AfterMy's next step for people who have finished a debt solution. It maps your dates and shows options from our panel you may be able to apply for. The plan itself won't affect your credit score.
Is AfterMy connected to ARM Insolvency?
No. AfterMy is a credit broker, not a lender, and is not part of ARM Insolvency.
Finished an ARM IVA? Start your Comeback Plan
Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.
Start your Comeback Plan