Hi I received my completion certificate 7 years ago and now I have no record of my IVA on my credit file etc. Today I have had a call from a company trying to say I can now claim back PPI, previously anyone who has had an IVA could not. I have no interest in doing this, I think its a bit of a cheek ...

Received my completion certificate today - so it's official I am debt free[:D]

Just caught up with your great news,haven't logged on site for a few weeks. My F&F was accepted last month too and your circumstances read like a carbon copy of mine. It's a great feeling isnt it !! Six days after my F&F was accepted I was involved in a car crash (well 6 cars to be exact), car was w...

Good luck from me - I have just had my F&F accepted this week so know what you are going through - it's a very stressful time waiting to hear. Fingers crossed you will get good news at the end of it. Be positive [:)]

Thanks ronald.h1, yes it's a fantastic feeling,going round with a stupid grin on my face!!!!

Thanks for the messages and yes I will definately be having a celebration drink - or two tonight!!![:D]

Had the best news ever today, my creditors have accepted a F&F settlement which ends my IVA. Many thanks to Andy Davie, forum expert, who has helped me over the last few months with advice and support,this has been invaluable. Also thanks to the staff at Grant Thornton, in particular Louise, Karol a...

Sorry meant to say - I am considering a F&F settlement so trying to work out what my creditors would accept.

Can anyone explain how I have paid 36 IVA payments and 45% of the value has been paid to my creditors. If this continues over the next 24 months the promised dividend will not be reached. Or are the fees paid upfront? Seems an awful lot of money to me. Having said that the current firm who took over...

Hi - Thank You for your speedy response

Can anyone tell me if it has to be a family member who gives the lump sum for a full and final settlement? Can it be a friend?

Cant fault the Co-op - best bank by far.

Thanks everyone for your help, a lady from GT rang me today answered my questions.

Thanks for your response kallis 3.

I have already asked GT the question and they promised to get back to me, and as usual they did not, this is something I now expect from these companies. I first asked the question in October.

No doubt I will have to keep trying!

I wonder if anyone else is in the same situation? I started my IVA 3 years ago and only one of about 8 creditors put in a clause stating at the 4th anniversary or thereabouts I needed to value my home and raise money to the value of part of the equity. Unfortunately this was railroaded through by de...