Just a little note from me 8 months later, still waiting for the certificate and still on the insolvency register, phoned loads of times and been told the last chance letters were going out beginning of March and they had 28 days to respond, also been told its due to the VAT, not sure what is happening but hoping to hear something in next couple of weeks, hubby just got a job last week after almost 12 months off work, I changed my job but its only until September so really nothing changed for us we are still very frugal and even do home brewed wine now which I wish I had found about 6 years ago, its fab even better than the £3 bottle from Aldi, works out at £1 a bottle so can have a drink when ever I want now. Will let you know when we receive the certificate, however think all our debts should drop off in August, certificate or not anyway good luck to you all, a lot of you will be about 8 months further on now than when I last posted ans so much nearer the end. Pam xx
ITS OVER WE ARE FINALLY DEBT FREE, CERTIFICATE ARRIVED