Yes, I can imagine! It seems 'they' like to keep us waiting!

HI Melanie and David,

Well, I have been told that it normally takes 3 months to receive the certificate by my IP's colleagues! They said it is standard, so will have to wait another month....

Good luck Rachael!

I know it's difficult not to think of anything else, but keep everything crossed!

x

Thank you!

I've contacted them today, and I'm waiting to hear bcak form them. I think I expected to wait, as it seems to be the norm in my experience!

I'll keep on at them if I don't receive a response in the next few days.

Great news!!xx

Thanks David.

I know the cheque was cleared on the 31st of August, so I imagine I should give then about 8 weeks from there - do you think?

If I don't receive anything by the end of November, should I contact them again?

Thank you.

Hi Mrs Skint,

I'm doing ok thank you.

I'll wait to see if I get the certificate within the expected timeframe, if not, I'll give them a push!

Thank you.

xx

Hi Mrs Skint,


I hope you are well.

I remember how helpfull the advice you gave me regarding DFD and wondered how long it took for your hubby to receieve his 'certificate of completion?'

x

Hi billy1010,

I know it's difficult to ignore the calls - they make you on edge all the time. I think unplugging your phone in the evenings is a great idea.

Just think positively and that once the IVA is in place, the calls will stop.

x

Fingers and toes crossed for you eu1953!x

Briliant news Ian, well done!! x

Hi Julia, A big welcome to the forum. This is a great place for excellent advise, but more importantly support form people that know exactly what you are going through. There is a way to sort things out,so don't dispair. Many of us have visited those dark places many times, but we have to sometimes ...

Good Luck Trind with your offer. I too, was able to make a F&F offer and it was a huge relief to have it accepted.

Does anyone know when you receive a certificate of completion? I know the funds have gone through in August for my F&F and I still won't believe it until I see it in black and white.

Hi paulcc44,

I am sure that you may be able to rent, if all of your IVA payments are up to date? As advised, maybe a private landlord would be more welcoming, as long as you are honest about your situation form the start.

Are you sure you're declared bankrupt?

Brilliant news!! I am so pleased for you and I share in your reliefafter having mine accepted a a little while back.