In my opinion having got an IVA to sort out your debt problems I don't see the point of getting a credit card which could possibly further your debt problems, so I would steer well clear.

I've tried to transfer my account to Halifax and Nationwide and both turned me down so for the moment I will stay with the CO-OP. My credit file should be clear by October this year so if CO-op is still having snags then I will try again.

Many thanks, I was expecting an actual certificate, silly me

Hi Folks,

Sorry if this is a stupid question but what does a completion certificate look like? I am with DFD. I have received completion documentation but am not sure if I have a certificate??

Thanks

Mark

I am very pleased to say that I have now completed my IVA and have received all the necessary paperwork. I can now start afresh and things are now looking a lot brighter and my future is now a lot rosier than it appeared just over 5 years ago. Although it hasn't always been plain sailing DFD have be...

Well done Mel - wish you were my IP

Well it would be nice to get something back at the end of it all but just to be debt free and to get the completion certificate is worth more. No reply from Judith yet - she didn't reply to my last email I sent two weeks ago either.

Congratulations. I have also just completed my last payment so I am looking forward to receiving my completion certificate

Thanks Alice, I will email Judith now and I will also phone them.

On further investigation it would appear the creditors asked DFD to investigate further PPI which is totally daft in my opinion as they have enough money in the pot now to completely pay off the debt. My explanation on the phone to DFD did no good and they said I still have to agree to it. EIF are t...

Thanks Lesley - I do so want to say nice things about DFD, I hate posting negative stuff. I have emailed Judith so I hope I will get some sense out of this. I really do not want another PPI investigation

Looks like I am going to be caught up in the dreaded PPI again - which is not good when I've just completed my last payment and the pot is overflowing with more funds than I actually owe. I have contacted DFD so hopefully I can get this further PPI investigation stopped as I don't think there is any...

Thanks Lesley, it's been a tough slog over the last 5 years and I've never really relaxed about it but am glad DFD took the heat off me - and the stress as I was thinking of another way out which would have been a stupid thing to do.

I made my final payment to DFD a couple of weeks ago so hopefully I can now look forward to a debt free future. I'm not too happy that Equity and Finance have started another PPI investigation at this crucial time and on what goodness only knows. I did sell my house in the end and had a bit of hassl...

When I speak to anybody from DFD they are polite but things have gone very wrong lately. I don't want to say anymore as I don't think putting my opinions on here are doing me any good if anybody from DFD sees them.