i took out an iva back in 2008 i was young and had ammassed a debt of nearly 25000 pounds, i was having terrible bother with creditors and before you know it i was out of a job and things turned from bad to worse, it drove me to melt down, i contacted iva who dealt with evrrything but at a cost of 5000 plus additional fees, i found myself a job which didnt pay well but my iva payments were set up to the max and i was paying 400 a month which on top of everything else crippled me, but i thought i didnt want to go bankrupt, i wanted to do the right thing and pay what i owed. after 2 years i was in a terrible position, dfd didnt help when i informed them i was struggling with payments, emails were ignored, i was at breaking point, in the third year i had paid back a good bit, but i found myself not being able to get things, i may as well of gone bankrupt, i couldnt get a monile phone account, a simple store card, i couldnt do anything, it was disgraceful, id been paying back my debt like a lot do only to be in the same situation as if i had gone bankrupt, to be fair i should have gone bankrupt but my mental state at the time wasnt good and dfd took advantage of my weakness. id had enough and by the 4 th year i decided to skip a few payments, save some money and leave eevrything behind, i lef the country. dfd held an emergency meeting and threatened me a few times with vairous actions, but after communication through emails they had said theyd spoken with creditors and theyd take my last payment as final payment as they realised i had had enough and wasnt paying anymore. they said theyd send me a certificate of completion, now 3 its been months, and iv got an email for a ppi claim from equity finance, iv replied saying i dont want to put in a ppi claim just for them to take 50%, theyd already notified me that creditors had accepted my final payments, but dfd cant seem to let go and are pushing for this ppi claim, i dont wish to claim and wondered do i have to by law, whats the point in claiming just for them to take it all or 50%, iv paid over three quarters of what i owe and my 5 years is nearly up, they cant tell me my creditors have accepted my final payment and my certificate of completion will be sent to me then all of a sudden bring this ppi claim up can they, it seems ridiculous!! theyre not getting another thing, stay well away from dfd.
