i took out an iva back in 2008 i was young and had ammassed a debt of nearly 25000 pounds, i was having terrible bother with creditors and before you know it i was out of a job and things turned from bad to worse, it drove me to melt down, i contacted dfd for an iva who dealt with everything but at a cost of 5000 pound plus additional fees, i found myself a job which didnt pay well but my iva payments were set up to the max and i was paying 400 a month which on top of everything else crippled me, but i thought i didnt want to go bankrupt, i wanted to do the right thing and pay what i owed. after 2 years i was in a terrible position, dfd didnt help when i informed them i was struggling with payments, emails were ignored, i was at breaking point, in the third year i had paid back a good bit, but i found myself not being able to get things, i may as well of gone bankrupt as i was labelled the same as a bankruptee, i couldnt get a mobile phone account, a simple store card, i couldnt do anything, it was disgraceful, id been paying back my debt like a lot do only to be in a worse situation than as if i had gone bankrupt!!, to be fair i should have gone bankrupt but my mental state at the time wasnt good and dfd took advantage of my weakness. id had enough and by the 4 th year i decided to skip a few payments, save some money and leave everything behind, i left the country. dfd held an emergency meeting and threatened me a few times with vairous actions, but after communication through emails they had said theyd spoken with creditors and theyd take my last payment as final payment as they realised i had had enough and wasnt paying anymore. they said theyd send me a certificate of completion, now 3 its been months, and iv got an email for a ppi claim from equity finance, iv replied saying i dont want to put in a ppi claim just for them to take 50%, theyd already notified me that creditors had accepted my final payments, but dfd cant seem to let go and are pushing for this ppi claim, i dont wish to claim and wondered do i have to by law, whats the point in claiming just for them to take it all or 50%, iv paid over three quarters of what i owe and my 5 years is nearly up, they cant tell me my creditors have accepted my final payment and my certificate of completion will be sent to me then all of a sudden bring this ppi claim up can they, it seems ridiculous!! theyre not getting another thing, iv looked and read some very interesting things on here about dfd, and alot echo the same as mine, equity finance are terrible, they hound you non stop and dfd are the opposite you dont hear nothing from them until they want somthing ie more money!! its disgraceful, i really was at the end of my tether when i started this dfd, i wish i had gone bankrupt, id be ok now, and thats sad really isnt it, stay well away from dfd you pay them over the odds for somthing you can do yourself.
