Thank you Foggy, I'm just worried! Having made all my payments, provided all information I needed to, kept chasing them for information regarding the equity issue and hearing nothing at all from them, the certificate arriving out of the blue has thrown me. I fully expected to pay for a 7th year and ...

Depending on how they calculated it I'd have thought more than £15k but they have had all this for 7 months, along with me telling them I would attempt a remortgage as soon as they said to. If they've sent a copy of the certificate to the secretary of state and the court, and I've not withheld any i...

That's the bit I'm finding confusing - there was/is equity, and enough to trigger the extra year I thought, but the final report says it was excluded. As they have had everything to make the decision they did, and as I've done everything I should have - including asking them about the equity questio...

It doesn't mention equity as such it just says no property included in arrangement

Had 6 year iva, just made last contracted payment, sent all mortgage redemption and valuation stuff in as required nearly 7 months ago, chased regularly, finally emailed to say if I hadn't heard anything within 2 weeks I was assuming equity question had been dealt with and I would expect completion ...

Thank you for your replies, will wait and see what happens!

Hi
If my case manager tells me in writing I will receive my completion certificate in 6 weeks and they need nothing more from me, what takes place between now and me receiving the certificate?

Thanks

It's only 1 payment, it seems they closed the account sometime during December so the January payment bounced back and then they emailed and wrote on 19 January to say they were going to close the accounts and move to rbs. So I had no chance of changing for the payment on 1 January!! Have already pa...

Thank you Foggy. I spoke to 2 people who were really nice, one of them left me a voicemail saying don't worry, we'll get this sorted, and asking me to ring him back. When I did he was away from his desk and I spoke to another man who was obnoxious, telling me he would call a meeting of my creditors ...

Hi Just looking for some advice really. If I write a complaint to my iva company about the way they have treated my case since it moved to them, would I be being stupid because they are likely to make things more difficult for me? Specifically, the lack of response from them despite my chasing and t...

We've chased them multiple times already and last time, a couple of weeks ago, got told our cases would be passed to closure team early in April so really confused why some people have their equity or not sorted fairly quickly but ours is still hanging around, makes no sense whatsoever to me

Been reading this thread with interest. Also with cf and sent valuation etc in over 5 months ago as required. Just paid the last contracted payment, number 72, and have had nothing from CF. Find it really strange that we have heard nothing but others, like Jed,have been lucky enough to hear from CF ...

Just to update - I've spoken to 4 people at CF today and I think have now got this sorted out. But - I do have to say everyone I spoke to has been really nice, friendly and fairly efficient. I said I thought the letter I received was far too strong and the guy I was talking to said he agreed but unf...

Brilliant! Congratulations!

Thank you everyone.
I also wonder if the IP actually exists!
Will let you know when I hear anything , hopefully it will get sorted - I know I've paid everything just to convince them now.