My first payment was November 23rd 2007 and my last payment was October 23rd 2013 so you are quite right your first payment counts just the same as any other payments as London as you have made 60 that's it. Get back onto them

I was in the same position as you 7 years ago. You will get there as I am now living proof as I have completed my journey. It's not easy and you will have good days and bad days but you will get through it. I felt exactly like you and felt that I would be judged for how stupid I had been but there i...

I got my completion certificate yesterday after 7 years just keep ringing that's what I did every week and finally the end is here. Keep smiling you will get there.

Been trying to get my completion certificate from Dfd my last payment was last November all ppi sorted but still no certificate. This has been going on since May and just keep getting fobbed off fed up of it they are a waste of space as company once your final payments have finished. If I held onto ...

I finished my last payment for my iva last October 2013. I am with Dfd and have been trying to get my cc ever since I was promised it over 3 months ago but as yet have not received it. I am becoming more and more frustrated as each time I ring them they say my case is with the closures team and that...

Thank you for all your advice will get onto them

My iva was for 6 years and that was last November everything else has come off except to and my iva still shows

I made the last payment on my iva in November 2013 and I am just waiting for my completion certificate. I have been looking at my credit file and there are two defaults on there from two of my creditors how do I get these removed please?

[the variation meeting is regarding my ppi which hasn't been resolved yet even though I made my last iva payment in November. I think they are trying to get my certificate before the ppi part is resolved

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Foggy Hi Penny. It all depends upon what they are trying to vary! Some firms are simply asking creditors to accept formal completion of "paid up" arrangements while PPI investigations are ongoing. This...

I have paid my last payment for my Iva back in November now to do with ppi they are holding a variation meeting what happens at this meeting do I need to be concerned