DFD follow a process which does not actually seem to match what the protocol says.
They are reluctant to deviate from that process and will not take internal responsibility once part of that process has moved to the next section.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
You can try but I'd be inclined to try one that wasn't a creditor.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
In theory it shouldn't matter with these accounts.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
I just wouldn't apply for one with a creditor - I know HSBC or First Direct won't touch you - you'll still be on the register until you get that completion.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
