Hi Laura
Thank you for picking this up. I just need to find my reference number and I will email you my details.

Natalie

Hi everybody I haven't posted on here for a long time. I completed my final payment to Debt Free Direct in August 2016 after 6 long years. In October I was told it had been passed to the IVA closurr team and I should receive my completiin certificate in the next 3 months. Guess what?? No certificate...

Hi everyone, My hubby has received a late claim opportunity from Debt Free Direct. We had a joint over draft with HSBC and this was included in my sole IVA. My husband didn't bother making a claim at the time and his SOA amount was put in for £1. The overdraft went to Max Recovery and he did pay off...

Forgot to say I signed to change to the 2014 protocol so they will also try going down the secured loan route which my hubby would not agree to as it is a joint mortgage. Been told I would be in breach of the agreement and would need to ask creditors to approve an alternative method of payment by ex...

Mine says the same. I have an appointment with our bank over the phone next week. Select are meant to be contacting me through DFD but my other half is starting to get twitchy and can't see light at the end of the tunnel. He can't face paying an extra 12 months as things have been hard the last year...

I have just heard from DFD that my payments are staying the same for my fifth year. I have had my report and it says the remortgage of £9000 is due now. My IVA payments would finish in June 2015. If I was able to remortgage now would I give DFD the lump sum now are after final payment? Not that I th...

Thank you I agreed to the variation in terms to the new iva protocol. My other half was aware of the remortgage at the start of the iva and will remortgage if possible. He is uneasy with the loan secured on the house option and will not agree to n this if the remortgage is not available. My fault fo...

My mistake earlier with the mortgage I didn't put enough zero's! The outstanding mortgage is £97000!! Sorry for the confusion

The 100000 is what we both owe on the joint mortgage so my share would be 50000.

Hi It has been a long time since I posted on here. I an now in my final year of my IVA and I agreed to vary the terms of my IVA with debt free direct earlier this year thinking I was doing the right thing. I need to try to re mortgage for just under £10000. I am worried they will try to push me into...

Thank you. That makes me feel better.

Hi I haven't posted for a long time. I think I may have done something stupid! I have a Next account that wasn't included in my IVA as the balance was zero at the time. I ordered clothes for Xmas for the children but paid it all off with my hubby's overtime the next month therefore clearing the bala...

Thank you. Life isn't always easy and it is sometimes hard when you only have £80 left 10 days before pay day! But we do manage every month and the kids don't go without - even if there is only £2 in the bank on the eve of pay day! At least it is ours! Would never want to go back to the way things w...

Hi everybody! Not posted on here for a while. Any way I just want to say a massive thank you to DFD for how quickly they have dealt with my 2nd review. It is due on 8th June. I sent the paperwork on Thursday last week and received a phone call last night to say it was complete and that there would b...

You just get back what you pay in - either in vouchers or in goods to that value.