Is there a legal time limit for completion certificates to be issued. I am with debt free direct my last payment was in March and every time I contact them they have a different excuse.
There is no time limit - some have waited over 12 months.
Keep on pestering!!
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
Different companies have different time frames. I was with Grant Thornton and they typically take 6 months odd from last payment date. Some companies have been known to issue within days. I don't believe there is a "legal" time limit but they do have to complete in a timely manner (what ever timely manner is).
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
A recent post suggests that someone was told by DFD 2 years.
Unfortunately there are contradictory messages coming from them and they have been the subject of a number of posts over the last few weeks.
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.
Depends on how you look at it -- to my mind there is a contractual limit built into the agreement. Mine stated categorically that the duration of the arrangement was 66 months ( 60 payments and 6 months admin). There were clauses which allowed for the arrangement to be extended, on prior notice, twice, once by up to 6 months and once by up to 3 months.
As it turned out, I never got to the point of testing this, however, had they tried to extend beyond this, or failed to give the prescribed notice I would have deemed that they had breached the contract and lodged a complaint to that effect ( where that would have got me is anyone's guess).
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Both of ours were received within two months of completion but I did have to pester a couple of times!
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
I will be ringing every day to chase once my IVA is complete. The squeaky wheel gets the oil.
I think there should be legal timeframe built in for the issuing of the CC. As debtors we've honoured our side of the agreement in a timely fashion, it's not unreasonable to request the same from the creditors/IP.
Last edited by thisusernameistaken on Wed Aug 05, 2015 6:10 pm, edited 1 time in total.
Whilst there is no legal time limit for closing an IVA, there should be.
When you enter an IVA it becomes a legally binding agreement which the debtor has to comply with, however once you have fully complied with your IVA, there is nothing binding on the company which administers the IVA to ensure it is closed in a timely manner.
Last edited by soclose on Thu Aug 06, 2015 7:47 am, edited 1 time in total.
Section 10 DPA via the court or a complaint to the Insolvency Service linked to Article 8 and 14 Human Rights Act for any IP that was authorised by them pre September 2015.
As Michael says this is an untested area.
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 have been in touch with them every other week and every time they give me a different excuse. I was told to contact the iva lady on the forum email, the reply I got was they were experiencing technical problems. That was a month ago.
hi emma
I was with dfd and they were a nightmare to get in contact withn my iva finshred in dec 2011 and it took them DFD until june 2013 to send my cc yes there was ppi but that was concluded with eif just after the iva completion dat e in early 2012 it took constant phone calls and e mails to keep updsting the progress and they used the ppi as an excuse most of the time but eif had told me that DFD had pppi payments so it wasa dragging of feet exercise by them keep at them they are the unprofessional company I have dealt with and if we during our ivas did this we would be threatened with iva failure etc its about time they picked up their game and started acting in a more professional to the people iva that have paid them fees to act for them not push them to one side when they have paid the 5/6 years term to them and are not of as much importance as the those still paying fees in current ivas just keep phoning and emailing them and keep records if u go down the complaints route i
Hi dawn
My iva was for five years.it was extended for a year and then another six months.we filled in the deeds of assignment thinking that this would help us get our certificate a lot quicker.they have had at least 30.000 in ppi and are still claiming.if we had known about pop we wouldn't of done an iva.
Hi Emma.cl,
If your IVA is with DFD please drop me an email (address is in my profile), with all your contact details and I will get in touch to discuss your issue further.
Look forward to speaking to you soon.
Regards,
