Thank you both! I spoke with a lady at DFD on instant chat - she advised the guy I spoke to earlier was still in training & she isn't sure what letter has been sent if any!! I am due to receive a call at 12pm tomorrow from an experienced member of the team, lets hope they can help & if not I will dr...

Just got off the phone with them again - sadly I spoke with the same clueless guy! His response... 'never heard of TIX I will forward this to another department' He wouldn't confirm which department this would be, wouldn't CC me in on the r-mails & wouldn't give any time scales around when this woul...

Hi, Thank you for the response with this I closed my IVA with a F&F in February this year. I am looking to purchase my 1st house with my partner & I have found a company who are willing to look to loan (fingers crossed!) An appointment is booked in on Friday, they are fully aware of my IVA & have ta...

Thank you.

I did e-mail him using the details on his contact page but it failed. I will wait for him to return & hopefully he can help (PPI preventing closure of IVA, made a F&F in Feb this year).

Thank you,
Natalie

I am trying to get in touch with Declan at DFD bit his e-mail address is invalid! Can anyone advise of the correct one? Thank you

Hello, I closed my IVA at the beginning of this year with a full & final payment. (4 years in) I didn't hear from debt free direct for months & when I tried to open a new current account (August) it was delined as my IVA was still showing as open. I got in touch with Debt Free Direct to see what the...

Hi All! My IVA meeting is planned in for tomorrow 10.45am - scheduled to last 15mins... I received a call today from Clearstart advising they had received all votes back form my 3 creditors: Halifax, Capital One & AMEX. AMEX hold more than 75% of my debt. Went though a 12mins conversation to find my...

Thank you for your reply and kind words Chris!

I hope this is sorted soon.. It's scary just hanging on to see what is going to happen!

Natalie

I will give Clearstart a call asap..

Thanks Jo

Hi all, I have received details of my creditors meeting next week (Wednesday 13th at 10.45 - Hoping the time will fly by as I can't wait to get everything sorted!) American Express is my main Creditor at just under £17,000. Halifax at £4000 (£3000 loan and £1000) I then have Capital one for an amoun...

Hi Shazzles and thereisanend!

I have received details for my creditors meeting today... Wednesday 13th Feb 10.45!
Nervous already!

I'm keeping my fingers crossed for all 3 of us!! xx

Thank you Suze... I will keep you updated on how mine all works out.. xx

Thanks Suze, everyone’s words on this forum are so kind My parents are worried about me and my credit card and always ask if its all ok and check that I can afford everything but I don’t want to tell them as they would be so disappointed and would want to help me out but I don’t want to have to repl...

I know it sounds pretty awful of me but I'm so glad I'm not the only one in this situation!!

I think im addicted to this forum...xx

No Emma, I'm glad you brought that up. I never really thought about it to be honest but I can see where you are coming from... I was unsure about keeping up with the direct debits (although I am paying things off I'm having to live of my credit card... lunch, petrol.. everything!) so really I’m just...