Hi all. Just to bring this to a close. I called Skye loans and spoke to someone with a brain. After getting the right information it seems that the settlement figure I receieved was without any interest added, So basically the balance which I got was the actual amount outstanding and that's why it s...

Hi Foggy. I rang Skye loans. they said that BH had made some error there and Skye do not know why. but they said because when we took the loan out with BH and did not have to pay for two months after. by the time our loan is supposed to be completed we would still owe on it. so that's why they alter...

Hi everyone. Iva taken care of now and thanks again for and advice from here, I have a new question. We took out a loan with Black horse in 2008. for ex number of pounds and last year they sold the loan to Skye loans. Now we used to pay example £165.16 per month it was a 122 Month fixed rate loan s...

Just to complete and bring everyone up to date Certificate of completion arrived today. So all done and dusted. All the very best to everyone and thank you all again for being there. I'm very grateful for the advice and support. Should anyone want to contact me with any questions regarding the closu...

Cheers Foggy. I think you was the first to respond to my first ever post..

The only way is up.

Thank you for your assistance and advice.

Hello Everyone. I can today confirm since being in contact with Laura from DFD. We have received an electronic copy (Email) of our Certificate Of Completion.The Hard copy has been posted to us. So since the 03/12/2015 of Laura contacting me on here to assist in the closure of our Iva. It has now fin...

Hi Matt. Great news matey. Now your in an Iva the light at the end of the tunnel should be brighter for you and things will get better. Make sure you read all the documents once the Iva is sent for you to sign as i kinda skipped through mine because it was about 4 inch thick. and i never read a part...

Hi cba1987 I am in the same situation as yourself and I have been informed that six months is a timescale place upon the closure of the Iva. Which is a maximum time DFD have chosen to use albeit your Iva closure and certificate of completion may be completed before the timeframe given. I think it's ...

Just for reference Matt. You could give your insolvency practitioner a call and just ask them what you should do regarding them calling etc. Theoretically there is nothing they can do now as everything is being sorted out through an Iva and they need to refer everything back to the people they are c...

Hi Matt. That's great news all the very best to you and yours. What you have left is now untouchable so i wish you a quick recovery and the very best of luck. Just remember where the help is should you need it. & @ Lisa Thomas. Credit where credit is due. I have been emailed today by DFD Laura telli...

Hi Matt129. Glad to hear the interlopers have given you some breathing space; i did wonder how the progress was going good luck for tomorrow with your creditors. There are some very helpful and caring advisers on this forum Lisa is top drawer and Michael is very helpful too. you also have us the sam...

No Probs Matey. All the best for the new yr to you and your family matey. Don't let these goons intimidate you at all just make sure your criteria meets and your ok. I research about debt all the time youtube has a lot of info just type a subject you want to know and you'll be surprised what comes u...

Just to add Matt. you might want to take a look here.
http://www.stepchange.org/Debtinformati ... stake.aspx

As far as i'm aware Matt; If your vehicle is on finance then it cannot be towed or taken. I'd be looking into that for starters.?

30/12/2015
Just an update for you. I have put in writing to Laura at DFD asking for an update as to where we are at with them releasing the Certificate of completion as we have sent the deed of assignment back to them. i will let you know the response when i get on. A HAPPY NEW YEAR TO ONE AND ALL.