Thanks KayKay - Hope your cert arrives quickly and well done for finishing

Cheers Paul. Yes, time to start saving. Good luck with yours. It will be the best feeling when that certificate arrives I assure you.

Gary

Hi, It's all over!!! To cut a long story short(makes a change for me), we put in a full and final offer and it was accepted 4 months ago. Last week we had a copy of the certicate sent to us and it's all over. It said in the letter that DFD were no longer involved and it was all over----YESSSSSSSSSSS...

In the 4th year of IVA.My wife has just been classed as disabled and now receives allowance for this. What happens. Do we let DFD know? It is not income but allowance for her care.She is still working, although struggling along. If she has to finish work will a final settlement be offered and what i...

Thanks for the feedback Pikelander. I really hope you get your certificate really soon. The thing thats stands out here is the original payments were again set too high.If like us there was no way they could be achieved and like us you to add an extra year onto the end (well I think I have) of the I...

Hi, DFD set the budget. I had no other way of raising the extra cash needed to pay more other than using the housekeeping money.I spoke to an advisor and she said that if I could pay more than the set amount monthly, this would definately help us, so a week or so of eating less would have been worth...

The "windfall" was the biggest. This was from a secured loan that we are paying Payment protection on. They gave it all to DFD as they had instructions from DFD to sent the money to them and not me.Over £7700.00. The rest is from over paying as instructed by a DFD rep. This was done by basically eat...

Hi Declan,
Thank you. How long will this take approx do you think? It's been 23 days or so since the issues were raised. I am hoping I have not missed the mail or the photo copies I requested during this time.

Thanks

Gary.

Just to update really. Other than a letter saying DFD are looking at this nothing else to report.Not sure how long it takes when someone senior gets involved as they are busy with other things I guess. Still feel ill at the prospect of being more in debt at the end of this than when I started though...

Just to a quick update.Declan has been in touch and has been great.Someone senior in DFD is looking to help me as well now, so hopefully we can get through this.I am sure I am a "one off bad case scenario", with DFD and don't mean to show them in a bad light as I am sure others are having there fina...

Hi, an update. Declan (thankyou), chased through a meeting for me today and a colleague of his mailed me. Unfortunately 50% of my concerns again were not answered or skated around. So I rang. After 10 minutes of talking to someone who really did not have a clue ,she kept given me statutory answers s...

Hi No joy. No one picking up, although I could only try twice, as I am nights and got up at about 12 and tried. Only just surfaced after hardly any sleep :(, hate nights. I mailed them telling asking for a prompt mail reply rather than a call due to my shift. I have mailed Declan as well but no repl...

Yes, I have been ringing half the day but no-one picking up. I need these answers you are right.

Thanks

Gary

Hi , I hope so soon. I just mailed him for help.All this time and I did not get the answers, icredible. The report is so one sided. It tells the creditors what they need to hear but not us. For example, it states that that we are up to date with payments and that the original 92p in the pound based ...

Hi All,

Got my report hurray!!! Guess what though, None of my concerns have been answered, fuming!!! Shocking but expected.