Congratulations Dancer - its a wonderful feeling having that completion certificate. Sorry you didn't have a good experience with Payplan but at least as you say it is now over.

Today I received my Completion Certificate following acceptance of a full and final offer on 12 January 2015.[:D] Can't believe its really all over. Just keep looking at it. Just needed to share with you all as I never told friends and family of my IVA and I honestly don't think I would have got thr...

Payplan advised me that any lump sum received from a pension would be regarded as a windfall and would be payable in to my IVA. A friend kindly provided funds to offer a full and final which was accepted on 12 January 2015, but as yet I am still awaiting my completion certificate, despite being told...

Hi I'm with Payplan and awaiting a full and final meeting. The advice they gave me was that if it was accepted the IVA would end and they would issue completion certificate, but would continue to pursue PPI claims. Hope this helps.

Good luck.

Thanks Foggy Always feel you give good advice and know you have been through the full and final business. Keep your fingers crossed for me. Have provided all the paperwork and supporting evidence to proceed with this and hope it is successful, but they say it can take up to 3 months to sort.

Hello everyone. Sorry don't post often but this forum has been a liefline throughout my IVA. Just needing some reassurance and advice on what is likely to happen over the course of the next few months. Have just gone through equity review and although there was equity in the property we were unable ...

Happy New Year

Congratulations. Best start to New Year you could wish for.

Congratulations All the very best for the future.

I got comprehensive Home Rescue and Recovery from Kwik Fit via a comparison web site for £28.85 per annum. Fortunately have never had to use them yet, so cannot comment on their response times and customer service.

Well got my letter and all creditors voted for the resolutions with the only modification by First Direct being that no variation fee be charged. Not even sure I understand the whole thing - just keep paying each month and praying for the end[?]

Congratulations on your pregnancy. As everyone has said nobody on here judges anyone else and I have found the forum a Godsend. I'm with Payplan and although I havn't had any problema with them, I wish I'd found this site before I signed up to them. With the advice and information available on here ...

Congratulations -[:D] feels like I'll never get there!

I had email from Payplan today stating that it's still my choice whether I wish to apply or not and no mention of it affecting closure although this is still at least a couple of years away for me!