The problem with DMPs is that unlike with an IVA the Creditors don't have to default you on the start date. Its worth contacting the creditor and telling them you need them to issue a default against the account and get them to date it as far back as possible so that the account will then fall off ...

Thanks for your reply Ryan, no the account didnt go into the IVA as it was cleared in the DMP in july 2012, should ikano not have listed the account as settled on that date rather than leave the account open for 2 more years before listing it as settled.

<t>Hi guys, just wanted some information, i started a dmp in august 2010 to sept 2012 when it changed to an IVA, one of the accounts was cleared in july 2012 while in the dmp, most things have dropped of my credit file except this account, my credit file is marked AP (arrangement to pay) from august...

hi wiggle, it took FJ 9 weeks from f&f was excepted until i received my completion certificate and three weeks later my name has come off the insolvency register, i to had a slight hold up with HMRC and FJ kept me informed through out the whole process i have all ways found them to be very professio...

F&F excepted on the 8th of March and 9 weeks later I have my completion certificate, I can't believe it, I would just like to give a heartfelt thank you to Sophie at Freeman Jones for all her help, and to say that Freeman Jones have been great throughout this hole process, I would also like to thank...

Hi Cal1976, i was only in my iva 3 months when i put forward an offer for the remaining monthly payments as a F&F, my circumstances had changed and i would have been unable to keep the iva going if the offer was rejected, i took 3 months from start to finish and my F&F was accepted. hope that helps ...

Good luck stazza2486, the same thing happened to me on friday so i know how you feel, i rang them myself this morning at 10.30 as i couldn't put another day in waiting by the phone, and my F&F has been excepted so i really hope that you get the same fantastic news. x

The very best of luck tj40, i have just been told this morning that my F&F has been accepted and I am just sitting here in tears with such relief that it's now finally over, fingers crossed for you.x

Well after taking the day off work and sitting by the phone all day, NO NEWS, something to do with their computer systems, so i have to wait until Monday to find out, so another highly stressful couple of days still to go, NIGHTMARE.

good luck from me to hyperdrive, this is a very stressful time, i have my F&F creditors meeting today at 11.30 and am sick with worry.

Thanks Steven, much appreciated, fingers crossed for a good out come on the 8th, think its going to be a very long week.....

well have spoken to FJ twice today, first time it was a guy from the payment team, was told that if i just make my payment then if the creditors meeting goes my way i will have the payment refunded, that's still no good to me, as i still don't have the money to pay, i also need to send in proof as t...

Hi Matt.01 that is good to no that you did not make any more payments once you put your F&F forward, can i ask which company you where with? I am with Freeman Jones and so far they have been great, i will speak to them again tomorrow and explain that I am unable to make any more payment into my iva ...

Sorry GilliB, i missed your post, i have only been in my iva for 7 months thought we had turned the corner when it was approved then disaster struck (long story) so had to tell my family about the iva, and they have offered to help, maybe shouldnt have kept them in the dark in the first place as the...

Thanks luluj for your reply, the thought of going back to my family again and asking for more money fills me full of dread, my dad is putting forward most of his savings to help me and i really dont want to push my luck as everyone involved in my situation are at their whits end and desperate for th...