Thanks folks for all your help I spoke to Experian and they have asked me to send them a copy of my completion certificate which I have done and they will contact the companies for me. 3 days after they have already got one of the 7 defaults removed and now marked as satisfied. There is also a note ...

I owed £15K on my IVA and offered £8K with the view it was only avaialable for a full and final and it would be withdrawn if unaceptable.

It was accepted and I am now paid off sine July 2010 but it is no easier and i can still not get a proper bank account.

Hi good afternoon folks well I had the opportunity to do a full & final on my IVA and paid £8K to complete it 2 years earlier in July 2010. I have over the weekend got myself a credit report and I am shocked to see 6 defaults on my report all from people whom I have now paid back through my IVA. Thi...

Hi Geoff you just need to explain this all to your IP and ask if they can hold a variation meeting for you. Good luck

I had 13.5K left and offered 8k and it was accepted with DFD

Hi Loopy, I was with DFD and for the 3 years I was with them I had no problems what so ever, I too have a Coop basic account. I used to hide at night and have sheer dread of the phone ringing and it being a creditor on the other end and my husband answering it and it all made me very ill indeed. Plu...

Hi Declan any new as to when I should be getting my certificate of conpletion yet as i really want to start my new debt free life with new bank accoutns etc and can not do this without the certificate.

Kindest Regards
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Melanie I have still had no reply from Declan as of todays close of date.

Hi Melanie, I have also emailed him direct as I just need the paperwork now to change my bank account to a normal one instead of a basic one.

Hi Im still waiting for my certificate of comp[letion from DFD and Declan has not given me any advise either can anybody help this was paid at end of May beginning of June.

Congrats Skippy I have finally completed mine too and waiting on all the paperwork to come through had my first month with all my wages and god it felt good xx

Well hello folks I have finally had my F & F agreed and am now all paid up and finally debt free just under 2 years earlier than expected I am so made up its a great weight lifted from my shoulders and now I can only look forward and never get myself in that mess again. Does anyone know how long it ...

Hi well I have had my phonecall from a lovely lady called Kim who has explained to me that in 2 weeks they will draught up a letter on my behalf to the creditors to put the offer forward and I need to get my husband to write a letter to say he is lending me he money to offer an F & F but trouble is ...

Hi Kallis so sorry I did not even think about web address apologies I have had another email from the repayment plan team saying they are going to callme tommoz to talk about the offer etc etc. I am nervous about it but will just tell them exactly what I wrote in my letter to them. Thanks for the su...

Hi folks just to let you know I have had contact please see below:- Dear Karen I write with regard to your recent request to settle your Arrangement early. I can confirm your Supervisor has reviewed this request and has agreed to put the offer forward to your creditors. Your case has now been passed...