Completion Certificate Received !!

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Stevebuk

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Post by Stevebuk » Sun Feb 19, 2012 12:57 pm
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That's me all done and dusted, made my final payment in November and received my certificate of completion on Saturday !! The added bonus was a check for one months payment. Apparently I managed to over pay by one installment !!! Nice little bonus.

Have applied for the Vanquis card to start rebuilding my file. It's gone for referral but I think that's pretty standard practice from some of the posts I have seen here.
Last edited by Stevebuk on Sun Feb 19, 2012 12:58 pm, edited 1 time in total.
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kallis3

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Post by kallis3 » Sun Feb 19, 2012 1:04 pm
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Excellent news Steve - congratulations!

Hope you get the card and good luck for the future!!
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
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Foggy

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Post by Foggy » Sun Feb 19, 2012 1:05 pm
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Nice one Steve :-)

I hope the cheque was dated after the Certificate !!!!!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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12 months to go

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Post by 12 months to go » Sun Feb 19, 2012 1:18 pm
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Fantastic news stevebuck

3months for certificate looks like it means the much talked about VAT issue did notvaffect you !!

Do you mind me asking which IVA company you are sorry where with ? As I'm due to make mylast payment in a few months and there seems to be a huge variance from one IVA co to another in terms of the amount of time it takes them to issue completion certificates

Well done again , enjoynyour spare cash

12 months to go - well only 6 now !
Last payment made April 2012
Certificate received 1st Nov 2012
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Stevebuk

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Post by Stevebuk » Sun Feb 19, 2012 2:49 pm
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Sure no problem, i was with Debt Free Direct. Didn't expect to get it until March / April time tbh. Despite having had no payments to make since November it's nice to have the certificate in hand !!
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kallis3

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Post by kallis3 » Sun Feb 19, 2012 2:56 pm
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Great feedback for DFD as well.

Good luck Steve.
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
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12 months to go

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Post by 12 months to go » Sun Feb 19, 2012 5:31 pm
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That's music to my ears as I'm with DFD also

I bet it's nice to have spare money again !!

Good luck for your debtbfree future
Last payment made April 2012
Certificate received 1st Nov 2012
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Struzzo39

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Post by Struzzo39 » Sun Feb 19, 2012 6:16 pm
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Congratulations !!! Cant wait for our day to come. Enjoy being debt free x
Steven & Debbie
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Shining

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Post by Shining » Sun Feb 19, 2012 6:29 pm
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Well done on receiving that certificate you're officially debt free.

What a great feeling that must be and I hope Vanquis allows the card to help rebuild your credit rating. All the best for your debt free future. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Stevebuk

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Post by Stevebuk » Sun Feb 19, 2012 7:30 pm
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Cheers guys, I think I may frame it lol !!!!
Cant fault DFD at all, been very good through the whole process
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Shining

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Post by Shining » Sun Feb 19, 2012 7:44 pm
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Great positive feedback for DFD too and I'm sure Declan will pass this on x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Declan at DebtFreeDirect

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Post by Declan at DebtFreeDirect » Mon Feb 20, 2012 10:09 am
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Great news Steve and best wishes for the future.

Thanks
Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.
http://www.debtfreedirect.co.uk/iva/
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