I m8 yes she is just one of the admins, she is also mine.

Well i have spoken to them on the phone a number of times, Letter is my last option.

I think i will get on with the letter straight away.

Thanks very much for the information, its much appreciated.

thank you very much for the information. I have 1 more question you maybe able to help me with. I believe this drops off my credit rating 1 year after completion of my IVA, is this 1 year after my settlement date or 1 year after my original fulfillment date (6 years) Sorry if the above makes no sens...

that does not sound good at all, is it actually legal for them to do this?

Based on the information that the creditors only have a set amount of time to respond, before its settled anyway?

Hi guys I am just looking for a little information, i settled my IVA early January. Since then i have not received any correspondence and no fulfillment certificate. Every time i call them they advise they are awaiting acceptance from one of the creditors, this should be no more than 6 weeks, if the...