Just wanted to add that DFD have also been great with us.
Due to some bad luck & family problems, we've asked for DFD to be flexible in allowing our payments to be slightly delayed over last couple of months and they have immediately authorised it without any problem plus with lots of kind words and offering more support should we need it. Very much appreciated when tough times happen within an IVA.
So from our experience so far, DFD have really been great with us and always helped when we've asked for it.
Not too much longer to go really for us and would not have got here without the help from DFD we've had along the way.
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr
IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
Good to see DFD getting back to the high levels of customer service they used to have when i started out 7 years ago !!
Mrs T , I too scarificed my property pre IVA in attempt to sort my debts out as I didnt want to enter a formal process, which I still eventually had to do with my IVA. Sometimes when i think I can be tinged with sadness that at 47 I no longer own a property, everything that I had been taught was the right thing to do by my beloved late father; however Im lifted by several american friends , who tell meover there very few people own their properties & my friends dont despite the gorgeous house & big car they haev , irrespective of income, as renting property and leasing cars is the norm. You & I have both relinquished our properties so are in the same boat & im sure like me there isnt really a bigger lesson life can teach me reagrding the need to manage my finances responsibly now.
well done for getting to the end and your encouraging DFD post
Last payment made April 2012
Certificate received 1st Nov 2012
Is your husband a guy that wears loads of gold chains and drives around in a black van with 3 other guys? haha. I have found DFD pretty good too and have 8 payments left but they was good in the begining setting the IVA up and its been up and down but they have comunicated well when I have needed too. All other times I did not hear from them and just got on with paying it off, which is all we can do x
Last edited by Radish on Sun Jul 28, 2013 10:21 am, edited 1 time in total.
All seems such an anti-climax now to be honest. It just ended and that was that. I don't know what I was expecting (trumpets blowing and flags flying) but the certificate came and the following week we were removed from the insolvency register and its oh is that it!!!
I always said the first thing I would do is go on holiday.....have you seen the prices! I have obviously been in a financial time warp. Oh no its the new me and the fact I have to pay for it with my hard earned money and not cyber money. What a difference an IVA makes. However, I am finding just having money in my pocket feels like a permanent holiday at the moment.
Regarding losing the house at the start. I was devastated for a little while but I rent in a much nicer area and live in a lovely house. I too am 46 but I am not convinced I do want to get into the property trap again as it was property that started my debt problems. We got our first property in 1989. We walked in to the Halifax with a £5K deposit and they talked us into a 100% mortgage and used our deposit for the first couple of years to subsidise our mortgage repayments. We were daft and agreed as the property industry was booming. WRONG the bottom soon dropped out. Along came our first son, Margaret Thatcher brought in Poll Tax and interest rates soon got to 15%. The start of all are woes and the start of a debt merry go round that lasted 20 years or more.
We are so happy just being debt free. We are frantically saving for a newer car. I have checked our credit ratings and was surprised how good they were. I don't want credit but to clear it in readiness if we ever we need to move as I get fed up of explaining to landlords I have been in an IVA.
I am proud of our family and marriage staying so strong . Looking back I wonder how my marriage survived so long in all that debt haze but it did. Now it our time again and we are like two silly teenagers and have fallen in love all over again.
Good bye debt but I won't be seeing you again.
For all those that feel you have a long journey left. Don't worry it is worth it. Your life will be turned around forever. Stick to it. The light at the end of the tunnel does come and by jolly it is worth it [:D]
Sorry I don't post often but when I do I just seen to go on and on [:I]
