Thanks for getting back to me. I don't have the paperwork anymore. As soon as I received my CC I took great delight in shredding it - maybe should have kept it in hindsight but really didn't think I would need it ever again. As for my former IVA firm having a mass variation meeting, again I wouldn't...

Hello all! I was wondering whether you could help me with a question I have about my completed IVA? Back in July 2010 my F&F offer was accepted, I received my completion certificate etc and have been taken off the Insolvency Register. Two weeks ago, the RBS contacted me to let me know that I had PPI...

Hello everyone! Hope you are all well? I haven't been on here in some time, well since I completed my IVA early through a F&F, thanks to my partner and mum who offered the cash to get me out of the IVA because of my poor health and job insecurity. As an update, I am finally living my life without th...

Hello all! Can you help answer 2 quick questions? 1. I have had to send my creditors details to the ICO as they have still yet to update my credit reference files to show that I have completed my IVA and to correct the dates. How quickly do they respond? I sent the details a couple of weeks back and...

Thanks so much for all your advice! Very much appreciated x

Sorry forgot to ask, is my completion date the F&F meeting date or the date that is on the COC under the IP's signature? Xx

Thanks Ginnyfizz! I have had a complete nightmare with it all but I am trying to push on and get this all sorted! That letter is amazing, will definitely use it and will send them recorded delivery too, as the other post suggests! Credit Expert have been great!! Totally agree with you. Thanks Ginger...

Thanks Ginger. I know that it's 6 years before it drops off but given I have completed should I try for one of these credit builder cards (I also know that that is an application and not a certainty but it means if the application was successful it would show that in the next 4 years I would have ha...

Hello all - hope you are all well? I have been following this post with interest and wanted to add my 2 cents, for what it is worth! I finally received my certificate of completion on the 5th March (a mere 8 months after my F&F was accepted - please sense the sarcasm and pure disbelief in the inaptn...

As long as DFD doesn't get the surplus I am more than happy! I have emailed the lady to ask her to recheck her information and get back to me as I have been very reliably informed that I do indeed come off the insolvency register

Why am I not surprised!! Honestly I would never recommend DFD to anyone. They've provided no customer service, given incorrect information in a field that they should be experts in and in a area that is critical to be 100% accurate!!! Should I ask to speak to this woman's superior? They were keen en...

Surprise surprise, I still haven't received my COC, however I have been informed that I should have it by Friday but when I enquired about the insolvency register and when I can expect to be removed I received the following answer "With regards to being viewed on the insolvency register, once we sen...

I've put my letters together for each of my ex creditors and am just waiting to date them and enclose a copy of my COC. Do I need to send a copy of the COC to experian and any other credit reference agencies? x

Okay thanks! Now all I need is DFD to issue me the long overdue COC - not holding my breath thtat that will be any time soon given their terrible attention so far! x

Guys, thanks! As always you're advice is invaluable!! Foggy - should the dates be the start date of my IVA, the F&F acceptance date or the certificate of completion date? Should it still be showing as satisfied even though I completed my IVA via a F&F? What information should I send them with the le...