Provided my credit file was totally clean does that make it easier? I spent a lot of time after my ivefinished contacting the 3 agencies and all my creditors to amend any dates and mark everything as satisfied. As far as I can tell it will all be off by the end of the year an my Iva is marked as com...

Hi, I completed my IVA early in 2010 and it is due to drop off my credit file in November 2013. I have had a Vanquis credit card since 2010 and have been putting bits on it and paying it off!! I would like to buy a house next year with my fiancé and would like to know what the chances of having an ...

Thanks for your reply. I'm still Not quite sure I understand. I wrote to all of my creditors with a copy of my completion certificate and asked them to make default dates the first date my iva was agreed. They have all done this. In Dec 2010 when I did a full and final to end my iva they all got the...

I went into an IVA on 27.11.2007 and ended it early in Dec 2010. All of my accounts were updated with the default date of 27.11.2007 but most of them have an account closed date of Dec 2010 on them. When will they come off my credit file, I was always led to believe it would be six years from the da...

Hi, I can understand your frustration,my full and final was agreed on July 12th and I have just in the last week received my certificate so it took around 20 weeks (im also a dfd customer). I had to continuosly ring and harass customer services and ask them what was happening. I know they area very ...

Hi, I am with DFD, approached them at end of April with my offer, it was agreed by Creditors on the morning of July 12th ( I then sent the full and final payment cheque on July 12th to DFD)and I am still waiting for mine to be completed. Really I am of the mind that the answer is how long is a piece...

Hi Lusso, I originally was supposed to pay in 60 x 421 = £25260. My fees were around the £7000 mark and the expected dividend to creditors was 36p in the pound. I offered 30 x £421 = 12630 + £7500 (from parents) which totals £20130 but then my fees went up to £8000 and the dividend went down to 21p ...

I know I feel very lucky to have had my variation accepted and I should be more grateful, hopefully it will all go smoothly and quickly from now on
xx

33 months in and ive never ever spoke to my IP - I sometimes imagine she maybe doesnt even exist - I looked her up. She does,
It would be nice to feel i wasnt just a number. Still its all over now

Hi Lusso, Yes fantastic news, it was approved - strangley enough no body bothered to ring me and let me know. If only theyd known i had been sitting looking at the phone since about 10am maybe they would have bothered themselves to give me the good news! lol I had to ring them myself at 12noon as I ...

Hi hon, It really sounds as if your going through it, try and keep your chin up and count down the days until the 29th. Ive got to admit I had been quite happy with DFD so far, as in the 32(now ) months I have been with them I have never asked them to do anything for me.I now know that no contact do...

Hi All, Any help would be appreciated. I was 30 months into my IVA and offered full and final of £7500 back at then end of April. I provided all necessary documnets very quickly (same day in fact) for my proposal to go ahead. It took just over 3 weeks for them to have a look at it and agree it was a...

That's fantastic lusso, I will keep my fingers crossed for us both and I will keep updating! Hers to the time passing quick and us both getting a good result xx

I have heard from DFD today (after a few phone calls i must admit) and my offer has been passed by my iva as being good enought to draft into a proposal, it has been now passed onto the drafting team who are goiing to ring me during the week to go through some details and then a creditors meeting wi...

Yes it would be lovely if he could :) Hope its all going well for him today and he raises lotsa spendys!! Ive learned my lessons the hardest way - but I am now sure I will never make them again, hopefully if all goes well I will be able to get my life back on track with a definate appeciation of wha...