I have been issued with a certificate of completion, but, not released. I thought this went hand in hand? Thank-you for the explanation on VAT, makes great sense. it's un fortunate and really bad timing for me. I just want to buy a house before it's too late for us, my husband is 40, I am 30. I am c...

I have my completion certificate, I have had this from 20.03.2012. I will not be removed from the insolvency register until DFD have released me, which they have not and I have no idea when they will either! There is a VAT issue.

I agree, it is and should be something to be celebrated, however, because I am not getting any answers as to what is going on, it is extremely frustrating! Can't shy away from the facts. Two reasons why we want to be debt free 1) To be financially better off 2) To be free to make educated, responsib...

Great releif??!!!! no, sorry. that isn't an emotion I am experiencing unfortunately! I have been locked into this now for 7 years. I have paid back all monies owed barring 3k. Can't see this being sorted this year, so this will be going into the 8th year! NOt very good is it really??!!! Just to clar...

No, I don't think anyone can help either!!!! No one has so far anyway!!! What is the vat issue?? Does anyone know??!! 7 years I have been locked in this nightmare. Can't see this ending this year either!!

I am in the same boat as you Vicky, I finnished paying sep 2011, i recieved a letter the week before christmas from equity in finance, i then contacted them to say I have finnished my IVA, I was then told it would in that case be a private claim, so why was it still taking so long? I was thyen told ...

As predicted about not trusting, I was absolutely right!!!!! I have recieved a letter Rule 5.34 Notice of completion of Voluntary arrangement. This isn't even on letter headed paper. Due to the visual lack of officailness, I asked the question to the complaints supervisor at debt free direct "have I...

DO NOT DO IT!!!!! trust me, this PPI issue with DEBT FREE DIRECT IS THE BIGGEST HOLE IN THE HEAD!!!! I had already completed mine in september 2011, I am still waiting to be released. First I have fobbed off with the PPI rubbish, now the issue is VAT!!!! They are having meetings this week about the ...

Thanks Jan, I was told this afternoon, it's being posted tomorrow, but I do not trust a word they say. I find DFD a disgrace and I am devastated with the way they have treated me. I have in writing that I will have my completion certificate within 2 weeks. That was 3 weeks ago. Still, nothing, not a...

hi, I made my last payment in September 2011 to debt free direct. I then recieved a letter the week before christmas from Equity in Finance on behalf of Debt Free Direct to claim PPI. When I contacted DFD I was told i had to claim PPI as I had an obligation to claim as much money back as possible to...