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Jerry.27

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Post by Jerry.27 » Wed Nov 06, 2013 7:03 pm
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Yes it was accepted and paid my payment just now!!!!!!!!!!!!!!!!!! Hooray!!!!!!!!!!!! Feel so good right now and such a relief!!!!! Just hope the certificate of closure comes through quickly. Anyone know how quickly they are sent out...was told by the advisor taking payment it can take 6-8 months but she mentioned that PPI is the biggest issue with closure certs. Do you guys think because I have signed a Deed of Assignment waivering any right over any PPI it will speed up the process??
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Foggy

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Post by Foggy » Wed Nov 06, 2013 7:10 pm
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Great news Jerry -- well done !

Yes, the DoA you have executed will help, a lot will depend upon how quickly your creditors finalise their claims, and how robust your IP is in keeping the momentum going.
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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Jerry.27

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Post by Jerry.27 » Wed Nov 06, 2013 8:14 pm
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Thanks Foggy. Is Debt Free Direct pretty on top of things do you know? I hope it happens soon. I just want to be completely free of this as it should have ended in June this year but was extended by 2 years due to a pay cut at work and lack of equity in my property.
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Foggy

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Post by Foggy » Wed Nov 06, 2013 8:42 pm
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They have had their "moments" in the past, but are improving.
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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Kelly O

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Post by Kelly O » Thu Nov 07, 2013 10:39 am
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That's great news Jerry, congratulations :-)
Regards Kelly Osadare Debt Advice Manager at www.pjgrecovery.com (host to www.melaniegiles.com.)

PJG Recovery have a free online advice channel at www.debtadvicetv.com. If you are ready to ask us for specific advice or help, then get in touch at www.pjgrecovery.com/contact-us.asp . I look forward to speaking to you.
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Jerry.27

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Post by Jerry.27 » Mon Dec 02, 2013 6:38 pm
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I've received my Certificate of NOTICE OF COMPLETION OF VOLUNTARY ARRANGEMENT!!!!

so it's finally all over!!!!!!! Feel so relieved and can get on with my life. Thank you so much for everybody's advice...it is very much appreciated!!! And to anyone out there who is able to offer a full and final I would advise to do it if you can.

Now just need to wait until June 2014 for my credit file to hopefully be wiped clean!!! Can anyone advise on how to make sure that it is completely removed from my credit file?
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Foggy

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Post by Foggy » Mon Dec 02, 2013 7:00 pm
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Excellent news --- well done :-)

Have a peep here for clean up advice:

http://www.pjgrecovery.com/clean-up-credit-rating

There is also a similar article on the Beatmydebt website.
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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Shining

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Post by Shining » Mon Dec 02, 2013 7:40 pm
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great news
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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