Finished your IVA with Hanover Insolvency? Here's what's next.

Who handles your Hanover IVA and how to contact them

Hanover Insolvency's website says Ebenegate administers its existing cases day to day, that the terms of your IVA are unchanged, and that Hanover's own insolvency practitioner remains your supervisor. Post goes in Hanover's name, care of Ebenegate, so address letters exactly as shown.

Older letters may show a different address or phone number: Hanover's website now gives the contact details below.

• Phone: 0141 218 4816
• Email: client@ebenegate.co.uk, with your IVA reference
• Post: Hanover Insolvency, c/o Ebenegate, PO Box 27160, Glasgow G2 9LZ

Getting your Hanover completion certificate

When your last payment has cleared and your creditors have been paid, the supervisor issues your completion certificate. If it hasn't arrived, ask Ebenegate for it in writing, quoting your IVA reference, and check the Individual Insolvency Register to see your IVA recorded as completed.

Checking your credit file and the register

Start with your statutory credit reports: Experian, Equifax and TransUnion must each give you one free. Check that your Hanover IVA is marked as completed and that the debts in it reflect that.

If they don't, raise it with the agency, which must investigate and correct anything wrong, and attach your completion certificate. Look yourself up on the Individual Insolvency Register as well.

An IVA stays on your credit file for six years from the date it started, or until it ends if that is later. When does an IVA leave your credit file? explains more.

What's next: your Comeback Plan

Next comes your AfterMy Comeback Plan. Share the solution you finished, your key dates and your goals, and we take it from there. It isn't an application. AfterMy is separate from Hanover Insolvency and Ebenegate.

Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.