Thanks guys. I wouldn't know how to do about it. I am so sick of trying to make them understand my circumstances. I am back on my feet and can make payments. Why are they not listening. I have lost everything that made me enter into an Iva. But surely there is another way out other than bankruptcy. ...

What's the next step for me. Looks like my Iva has failed. Now in my 10th year. Twice the length of time I signed up for. What a waste. What happens with the money I have paid in over £28k

Thanks

Chappie

Thanks foggy. I agree tosh. Will contact them.again when I'm feeling better.

Update. On post. I have been in contact with dfd. They are saying I should have 299 pounds surplus income. I have just had my council tax bill gone up £8 per month from.original. I told dfd I would be able to start payments at the end of April because I had to move in October and needed to borrow th...

Thanks Laura

I am in contact with the breach team. I have gone through an income and expenditure. The case is apparently with the completions team. I am just waiting for my pay slips so.i can send them on.

The shortfall on.my property has tripled my debt. So don't know what else to do.

Was wanting to avoid bankruptcy. Esp after having an Iva. Dont see why I should to be honest. Its been a hard slog considering it should have ended January 2013.

From my statement it states that original dividend was 39.91 now with the shortfall added its 15.82. Is this the reason?.

As far as I am aware they have not had a meeting with the creditors. I have had no communication from dfd with regards to any contact with the creditors. I have communicated all the way along with them and been honest. Can they just decide to close down.my Iva in its 10th year? Do worried that I am ...

Thanks foggy. I have been pestering them since 2015. Since my house was repossessed
I will have to make a formal complaint as you said 10 years is enough for anyone.

Hi all I just wanted to ask a question. I keep getting letters from debt free direct but my emails come from fairpoint. What's the difference?. I have letters from dfd asking for just over £200 to finalise my Iva. I am happy to pay this as its been a long hard slog I've had more downs than ups. I ha...