Done, finished, completed and happy. Completion Certificates arrived about two weeks after a call to DFD, during which they said it could take up to 8 months to receive them. No fanfares, champagne or even congratulations or thanks from DFD for all the money they and their subsidiaries have made out...

Just had the best telephone call ever from DFD; there was a variation meeting today and the creditors have voted to accept the full and final offer. I still can't take it in!

Stop press - some old friends have offered us the £5501, I can hardly see to type I'm so emotional! Callign DFD tomorrow!

Wobble - that's hilarious, I've had a three-day wobble which ended up with me rolling up in a ball and literally crying my eyes out after five years of my blessed IVA; this stuff can be scary and I know exactly where you are coming from. IVAs are a roller-coaster of emotions and if someone isn't in ...

Thanks Til - I've sent an email to the two people who have acknowledged my request to be reverted to the original T&Cs, plus Customer Support. I'll forward it as well to the lady you have mentioned. I've just realised the 50% cap on payments must have been in the revised T&Cs. As the amount quoted e...

Thank you folks - I am sitting here crying like a baby at having shared this. The stress is causing me serious grief. Foggy, I am due to speak to DFD tomorrow to give them updated I&E figures, so will advise them that I am submitting a complaint. I don't want to do it, but I am desperate to get the ...

Hello to all, new to posting here but I've lurked for advice over the years. Please excuse the mega-tale below but I wanted to lay out all the facts - feel free to skip to the last paragraph. HISTORY We started our IVA in April 2009 with DFD; we have a 79,000 mortgage and two secured loans totalling...