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Posted: Sun Feb 12, 2012 9:31 am
by kazzy
Hiya all,
So I got my completion cert through from DFD yesterday - along with £120 refund from overpayment! [:D] (last payment was Aug 2011)
I would like to point out that we paid 100% of our debt, plus all the fees, etc so that would explain why we have not been held up by the ongoing VAT issue I imagine as any refund doesn't have to be put in the IVA pot because it's full and totally settled.
Guess I will just have to wait and see if I get any VAT back when DFD receive their refund as I would assume they've already claimed for it.
I feel for all you guys waiting for completion but just wanted to share with all that I got mine!! Finally! lol
Posted: Sun Feb 12, 2012 9:36 am
by Shining
Well done to you, enjoy your refund too, well deserved and a great return to creditors. Hope your debt free future is treating you well. x
Posted: Sun Feb 12, 2012 9:41 am
by kallis3
Excellent news kazzy - really pleased for you.
Treat yourself with your refund - you've earned it!!!
Posted: Sun Feb 12, 2012 2:04 pm
by orchid5
Well done Kazzi hope you are now going to celebrate too. Good luck for the future. xxx
Posted: Sun Feb 12, 2012 4:43 pm
by luluj
Well done Kazzy and a great return for your creditors. We paid 100% back too - very rare that people are able to do it!
Enjoy your refund and your debt freedom!
Posted: Sun Feb 12, 2012 7:03 pm
by 12 months to go
has anyone else got any recent experience of how long after final payment DFD have taken to issue completion certificate ? 6 months seems a long time; i have no PPI to claim, so am hopefull my IVA may be completed much quicker
Im in the final months and can't wait until my last payment and then getting my completion certificate.
Im in year 6 and whilst I got used to managing far better after the initial 12 months, have had a slight overspend since my January pay packet at the end of Jan ( friends asked me out for a meal & I thought damm it why not ). result - i found myself in asda today looking at redcuced to clear food and £1 ready meals.... oh to be free and have spare cash again,,, i can't wait
£60 left to pay day in 2 weeks, back to pasta me thinks for the next 10 days, like my student days all those years ago
wont be long though and for anyone in the early days of their IVA reading this, my IVA is the best thing I ever did and the last 2 years of it have flown, so anyone struggling don't despair, you made the right move
Posted: Sun Feb 12, 2012 7:16 pm
by kallis3
There is a problem at the moment with a VAT claim going through so it could be a while before the completion letter is issued.
Posted: Mon Feb 13, 2012 10:46 am
by artemischild
Great news Kazzy on your completion!! [:D]
I hope this VAt issues does soon get resolved! i have payment 60 at the end of march and need to complete ASAP!!
Arty
Posted: Mon Feb 13, 2012 12:31 pm
by kazzafunk
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by artemischild
Great news Kazzy on your completion!! [:D]
I hope this VAt issues does soon get resolved! i have payment 60 at the end of march and need to complete ASAP!!
Arty
If it's still an ongoing problem in March Arty - you could ask your IP to calculate how much the VAT refund will be on your IVA and if not too much you could 'loan' them the sum?
Posted: Mon Feb 13, 2012 2:02 pm
by flow13
I completed with DFD in August last year and I received my certificate exactly 3 months after the completion date - I was told this would happen. x
Posted: Mon Feb 13, 2012 2:15 pm
by kallis3
Things have changed since then flow - the VAT is a big issue at the moment.
Posted: Wed Feb 15, 2012 11:57 am
by kazzy
off the register too already!! yay
Posted: Wed Feb 15, 2012 3:05 pm
by kallis3
Excellent!!!
Posted: Wed Feb 15, 2012 3:17 pm
by kazzafunk
Brilliant!!! Can't wait until we are.
Posted: Wed Feb 15, 2012 3:19 pm
by Declan at DebtFreeDirect
Well done Kazzy and best wishes for the future.
Declan