Completion certificate received in the post today from Freeman Jones. What a fantastic feeling. A big thank you to Steve Hewitt as I know you had a hand in this. Its been a long 6 years but we are debt free at last. We intend to keep going with the good habits we have learned and have today opened a...

Thank you all for your comments. Although I am a new member I have all the way through my IVA visited the site many times to obtain useful advise. Thanks for the offer Steve, I have sent you an email.

I made the last payment to Freeman Jones on 28th Oct (IVA commenced 11/11/09). I have been told that the CC will take 10-12 weeks by FJ. There are postings on here that suggest that this should be done in 4 weeks and that 6-8 weeks should be the max. There are also many postings where people have sa...