Thank you Andy

Hi all,Hope you are all well. I have completed my iva in april through a full and final, i received my certificate of copletion in October, but today i have receieved a letter regarding a sum of arrears from one of my creditors. When does these accounts get closed down as satisfied if ever? or are t...

My tip, for what it s worth is to accept the re eduction that the iva gives you as soon as you can, the pre conception of life with credit tends to make you purchase with out question, take great pleasure from the fact that you have paid everything that month with out credit, and be proud of it. Lif...

Hi Declan, Thank you for your help, i have received the C of C you emailed me, thank you for keeping your word tou are a credit to DFD and your input to this forum is invaluable. Just a query to any expert, on the C of C should there be a list of creditors satisfied on it? or is this C of C to be us...

Hi Declan,

Thanks for your help, i will eagerly await it's arrival, i wont get too excited just yet as i have been made these promises before, but admittedly every time you have said something, it has happened and i appreciate that.

Thanks again
Rob

Thank you Declan, anything you can do is much appreciated.
Rob

Thanks for your replys, if i have had no success with my latest promise then i will certainly take Mels advice and try to contact my IP personally.

Regards

Rob

Hi All, Having completed iva in April via a full and final settlement, i have been eagerly awaiting my certificate of completion so i know it is at an end (no surprises lol) I have been in touch wth DFD a number of times with them stating it will be with me in 10 days(over and over again), there lat...

Hi JLP, Good luck with your f&f, i am with DFD, i put my proposal for f/f on the 17/2/10 and had the variation meeting accepted on 22/4/10. I found DFD very helpful so do not think that you are pestering them by phoning up regularly to find out the current progress. It may be of help to contact Decl...

Thanks for your replys skippy , i to will be interested in the experts opinion. I just try to see it as clear as possible, we are all told when we enter an iva that if we are harassed by creditors to contact your ip, if you get threatening letters to send them in and they will deal with it, and i am...

I agree that IPs should not have to check credit files, but surely they can add dome weight to help there client. I thought that part of the iva agreement was that creditors refrain from taking any further actions against debtors? surely issuing defaults is such an action and is not in the ethos of ...

Hi all, I have read tis post and was wondering why cant the IP put some weight behind this complaint?? the way that i see it in an iva, is that you have a professional ie the IP who administers and maintains along with being impartial a legal agreement between two parties (debtor and creditor). The ...

Hi all, Just an update to let you know that my f/f was accepted today as previously posted, Big thanks to DFD for all there help i have nothing but good comments to make and would recommend, thank you to all who post on this sight, it has been a total source of comfort over some very difficult times...

Hi all, quick update i today found out that my variation meeting to propose my full and final settlement takes place on the 22/4/10. Now for the long wait, like anything that you are anxious about waiting for the answer can seem like an age, Good luck all hopefuly will be back with some positive new...

Hi Jen, Just to let you know that i am with DFD and am also going through a full and final settlement, i put mine through in writing on the 16/2/10 with all the relevant paperwork they asked for, i had a phonecall last week to go through the proposal and am now waiting for the draft to sign off for ...