My last payment was paid on the 25th April and I received my completion certificate on the 19th May, checked today and my name has been removed from the insolvency register. To say I am one happy girl is an understatement.... massive thanks to Payplan who have been brilliant and to this site for getting me through the last 5 years..... only 4 months before the defaults start dropping from my credit file. Thank you all for your support [:)][:)][:)][:)]