IVA
Finished your IVA with Vanguard Insolvency? Here's what's next.
Finished an IVA with Vanguard Insolvency? Here is who handles it now, how to get confirmation of completion and how to 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 answerContact Ebenegate, then start your Comeback Plan. Vanguard IVAs are held by Oakfield Financial Limited and managed by Ebenegate. Ask Ebenegate in writing to confirm your IVA has completed, check your credit file and the Individual Insolvency Register, then start your AfterMy Comeback Plan.
Who handles your Vanguard IVA and how to contact them
The Insolvency Practitioners Association says Vanguard IVAs are now held by Oakfield Financial Limited and managed by Ebenegate. Ebenegate keeps a page for Vanguard customers and says your insolvency practitioner and the terms of your IVA stay the same.
- Phone: 0141 218 4816
- Email: client@
ebenegate.co.uk - Post: Ebenegate, PO Box 27160, Glasgow, G2 9LZ
Getting your Vanguard completion certificate
Ebenegate's Vanguard page says that once you have made your final payments, your file is reviewed and closed. Email client@
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
Your credit file should show your Vanguard IVA as completed. Ask Experian, Equifax and TransUnion for your statutory credit report, which each must provide free, and check the IVA and the accounts it covered.
Where something is wrong, the agency must investigate and correct anything wrong; your completion certificate shows what should be recorded. A search of the Individual Insolvency Register confirms how your IVA is listed.
For how long the IVA stays on your file, read When does an IVA leave your credit file?
What's next: your Comeback Plan
Once the paperwork is sorted, start your AfterMy Comeback Plan. You give us your key dates and goals; nothing is applied for without you, and the plan itself won't affect your credit score. AfterMy is a credit broker, not a lender, and is not part of Vanguard, Oakfield Financial or Ebenegate.
Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.
Guides
Keep reading
Questions
Frequently asked questions
Who handles Vanguard IVAs now?
Oakfield Financial Limited holds them and Ebenegate manages them day to day. Contact Ebenegate on 0141 218 4816 or client@
What number do former Vanguard clients call?
0141 218 4816, Ebenegate's number for Vanguard customers. You can also email client@
How do I get my Vanguard completion certificate?
Email Ebenegate with your IVA reference once your final payments are made, and ask for written confirmation that your arrangement has completed.
Does a completed Vanguard IVA still show on my credit file?
Yes, for a time. An IVA stays on your credit file for six years from the date it started, or until it ends if that is later. Check your statutory reports from Experian, Equifax and TransUnion once it has finished.
What is the AfterMy Comeback Plan?
It's AfterMy's plan for life after a debt solution. You tell us your solution, key dates and goals, and it maps your dates and shows options from our panel you may be able to apply for. It is not advice, it isn't an application, and acceptance is never guaranteed.
Is AfterMy part of Vanguard, Oakfield Financial or Ebenegate?
No. AfterMy is a credit broker, not a lender, and has no link to Vanguard, Oakfield Financial or Ebenegate.
Finished a Vanguard 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