hi david 16 well evette at dfd has got back to me and has told me the ip has signed off my iva and it going to full closure which will take 3/5 weeks so it looks the end is in sight hope you keep on nagging i cant wait for the letter now i feel less stressed and my blood pressure is certainly much better just dont give up [:)][:)][:)]
Great news Dawn, well done and hopefully you will have that all important piece of paper in your hand very soon. I think there is a very large whip being cracked over in Adlington at the moment and rightly so too.
Keep us posted. x
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
hi dawn at last you shout loud enough and things happen just a shame you have to but glad you a getting closer to that finishing line and the stress levels go down i had an email to saying they will try to complete as soon as possible but heh i won't be holding my breath as they say its a long process but at least things are happening keep us informed see who gets theirs first keep us informed on your outcome its like that pot of gold at the end of the rainbow and hopefully you get yours soon
hi david 16 just to give you some info that i was not aware of regarding loans no matter where you are with your loan from a bank etc they do add on all the interest up front and even when you enter a iva this still forms part of the debt so it seems that hsbc will have had theloan amount of £16,750 and £11,000 so if you have had a loan and its part of your iva well they get it all i wish this had been explained at tne start in2006 but well you learn i hope others get this info and can everyone be aware the banks destroty your paperwork afrte six but in my case it was just after five keep photo copies the only good thing is that things are moving
Why does it tame 3/5 weeks from an IP agreeing to close a case to actually doing this? What actually happens during that timescale, and why such a long delay?
hi mel
i was told that now they check who gets what etc but i did think that this had already been done so i dont know maybe dfd could be a bit more informative . but if it wasnt for this forum and its help advice and just support i would not have tried to find out what was happening thanks to you all[:)][:)][:)]
hi david 16 and all on iva forum well i finally got my certificate today from dfdit arrived 2nd class post and i got it when i arrived in from my school job. it has not sunk in yet .and its just a sheet of paper i expected something more . but for anyone with dfd keep nagging its been 17 months since my last payment but now im free . thanks to all the people who post on the forum your support and help have been great and made me feel i was not alone and give me lots of advice to all still on the iva road there is light at the end of the tunnel[:)][:)][:)][:)][:)][:)][:)]
Yes, you would expect, after all the years of trials and tribulations, that it would be at least a certificate type document. But -- hey -- as long as it means what it says on the tin
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
hi dawn20 congrats you are finally free so pleased for you an update on mine i got more paperwork from eif another load of forms i had to fill out don't know why i have done it once already i will keep plugging away hopefully i will be posting the same message you have soon, you can now move forward with your life having no more stress
hi david with eif ring them and find out what is going on i found that you get more info that way and that you know exactly what dfd have been told and when this normally gets things moving a bit quicker. ive learnt keep pestering and you do get dealt with quicker i think dfd are fed up with me and thats why they stuck to the timecsale of 3/5 weeks well just under three for me , dont be to disappointed by the cc its just a letter and statement of affairs i was expcecting something much more official but i think now who cares i think ill frame it , i know one thing for certain i will never have a credit card and if i can help it no loan either in the future [:)] let me know how you get on [:)][:)][:)][:)][:)][:)][:)][:)]
hello people been a while and yes i am still waiting for my completion certificate 1 year and 8 months since i made my last payment its a joke anyone out there thinking of taking an iva out i would strongly recommend against going with debt free direct they are a joke i came on this forum to try and get closure and still nothing they use a ppi claims company called equity in finance and they are just as bad i had one of my creditors phone me up asking if i was mis sold payment protection why are they phoning me for i phoned eif and they have said another 4 to 6 weeks its a complete joke i would have been better off going bankrupt as its been 7 1/2 years and i still have'nt become debt free anyone out there thinking of going down this route think carefully about which company you choose as i say i would not recommend debt free direct it sounds good at the beginning but personally i am still waiting for an end any advice if any would be gratefully received
It's not just DFD, we are still waiting for our cc. The IVA company blame the claim company who blame the credit company. Hey Ho it's just our lives they're messing with.
Just thought that I would add, it is exactly 1 year and 5 months since we paid our last payment and still no Certificate.
We are with GT, have yet another meeting in 2 weeks for creditors to agree to us being issued with our Certificate whilst further PPI is being claimed??.
This is despite a meeting in June 2012 (accepted) to deal with the VAT issue followed by a F@F in December 2012 (accepted with PPI) to close file. Certificate was to follow in 6 months.
That elated feeling following that last payment (March 2012) has been totally overshadowed by the wait for the Certificate with one excuse after another.
The worse thing is knowing that the IVA is still open until that time despite payments being met.
The last 2 years have been much worse than the first 5 when we were struggling with monthly payments...surely it is not supposed to feel like this at the end when you have done your best in the beginning and met all your obligations.
borneo I am also with GT my last payment was august 2012 I am also waiting for a completion certificate due to ppi claims on going I cant have closure yet.
Last payment made August 2012 Certificate of Completion recieved 15th of Novenber 2013.
