Good afternoon, longtime no type- just wanted to give you a further update- things seem to be going well- we moved our Northern Rock mortgage a month after the loan for the double glazing to Nationwide- we have since been accepted for various credit cards- we keep a close eye on everything- The IVA ...

Morning,
Just a line to let you know, we finished our IVA in February this year and have received our completion certificate, throughout the IVA we had a mortgage with NRAM, on saturday we remortgaged with Nationwide ( who we have banked with throughout)

There is hope

Morning all After reading and occasionally posting on this forum over the last six years, we made our last payment in February, since then we have received our completion certificate, checked our credit file and have received a loan from the Nationwide for double glazing. I just wanted to reassure p...

I would just like to say a big thankyou to Judith Anderton at DFD, after making our last payment in February i emailed Judith to see if there was anything she could do to speed up our completion certificate. She has kept us informed on a regular basis and today emailed us with a copy of the certific...

We maid our last payment last month and last week received a statement from DFD showing that they had received all that was expected and standing direct debit cancelled.
Can we now expect to receive the completion certificate in a reasonable length time. [?]

Hello everyone i would like some advice, We have a mortgage with NRAM on the standard variable of 4.59% and would like to remortgage, we made our last payment into our IVA last month and obviously havent got a completion cerificate. We have never missed a payment of our mortgage and i wondered if it...

Were with DFD and to be fair to them they have been pretty good so far.

We went through the PPI filling in claim forms about a year ago however i suspect this wont move the closure process along, for us this is the most disappointing thing as we now want to move on and look to move

After making 6 years of payments of £600 p/m we made our final payment yesterday. When you start out you feel that you will never get through it, it will be tough for the first few years the last two will fly by. Stick with it and you will come out of it refreshed and optomistic for the future. Good...

After 6 years we have our final payment in Feb, is there anything we should be doing to enable a speedy closure

After 6 yrs we make our last payment in Feb, is there anything we should do to make the closure process speedier

Hi Foggy,
The money will be nice but to be honest its being in control again that im looking forward to ie moving house

After nearly six yrs i have two payments left, i have mailed DFD to find out what the process is for closing the account and clearing my credit file and they inform me that the certificate will take between 6-8 months to issue. This will then mean to me that the IVA will potentially last nearly 7 yr...

My wife and myself have struggled on for nearly 6 yrs, we would like to relocate, renting out our current house and renting elsewhere for the foreseable future, if we were able to borrow sufficient funds from a relative ( 4 x £500 ) would this be accepted to bring our IVA to an end

The following is the only part relating to in lieu of equity

Supervisor may extend beyond the agreed 60months if there are payments in lieu of equity "in which event the Arrangement shall be extended until such payments are received or for a period of 6 months, whichever shall be the sooner".