I started my IVA with DFD in 2007 and my final payment should have been February 2012. Noth the case I received a letter from DFD before Christmas which advised hat m payments should be extended for a further 12 months as I had not reached the 60pence dividend required. I asked DFD to give me a full breakdown of where all my payments had gone as I had never miss a monthly payment in 5 years why wasn't I told earlier my divided wouldn't be reached? I have stopped my direct debit payments and contacted DFD on many occasions the latest I was told that m property had been valued oh really no one has been to value the property to my knowledge only to be told they use a website called zoopla to value properties so I checked the website and my property is valued at £90,000 with a mortgage of £97,000 where is the equity?????I was asked by DFD to get a loan to pay off my final balance which they haven't given me a figure or borrow the money from friends or family ......is this a joke I have received no help or guidance over the last 5 years myself and my partner have really struggled I thought I was doing the honest and decent thing to try and pay back some of the debt I accrued but at the moment I don't feel I have done the right thing. They have received extra payments through overtime and PPI claims but still I fall short If they didn't charge so much for meetings with creditors I would have met my dividend quite comfortably. Can anyone help I feel lost and just don't know what to do next , I don't think a final meeting with my creditors has taken place do you think they will accept the shortfall as I don't think I can cope with another year of financial hardship. Sorry for the negativity hope you can help me [V]
