I did have an extension of 8 months dude to student loans company deciding they wanted to be part of the IVA a year in but my last payment was July 2012!!

It was originally Blair Endersby now being finalised with Grant Thorton, I just keep getting told it's waiting to be finalised. The last phone call to them, they did state that I would receive certificate by the 31st of October this year but I've sorta lost faith now.

I have been attempting to apply for a first time buyer mortgage, Next month will be seven years from my via start date, I have been just been declined by Halifax as they are still stating the Iva is not satifisied. I have been waiting for my certificate of completion?! Does anyone have any help or a...