Harpic, sponge, I wasn't saying that it was something I had done/would do myself, as my IVA has ended any way (well, just waiting for the completion certificate). I was just curious as to whether it *could* happen, as I'd read a post on another thread, whereby the debtor said that the Citizens Advic...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by kazzafunk You could send back the forms with a note stating you never took PPI out and you may be asked to sign a disclaimer that you won't attempt any refunds after your IVA ends. Just playing 'devils...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by dawn20 it seems that once the moneystops coming in from your bank account well its a waiting game So true! [V] Just like you, I too in December thought I'd reached the light at the end of the tunnel. H...

Hi guys, Well I did email Declan on 02/05/12, but I haven't heard anything from him as of yet. It's been less than a week though to be fair, and he may be really busy. I'm still none the wiser as to whether I should vote 'yes' or 'no' re DFD's proposal to vary the terms of my IVA ["to allow its clos...

Hey Arty[:)] So many of us are in the same boat I guess. I have emailed Declan and will let you know when I have received a reply. From what you have said though, it sounds like the best thing to do would definitely be to vote "Yes" for DFD varying the terms of our IVA's. Another 6-12 month wait for...

Thanks for your replies orchid5, kazzafunk and kelly o. I shall email Declan. Glad to have found this forum [:)]

Hi everyone, Well I'm absolutely appalled by the "customer service" that DFD provides. As my IVA was drawing to a close last year, I did not hear anything whatsoever from DFD. I actually had to ring them up in December 2011 to see if I needed to make a payment that month, and they told me I didn't, ...