Perhaps the meeting was for PPI. I have just had a variation meeting carried out in order for DFD to continue to proceed with claims for any PPI which would enable them to close my account & send my certificate of completion whilst claims continue.

Thanks Foggy believe me it feels brilliant that its nearly over. I suspect though it will take some time for closure but the main thing is that its no more payments....

This time next week I would have made my final payment of a 6 year IVA. I must say 6 years ago it seemed like a very long road ahead however if the IVA has done anything it certainly helps live within your means & that I am sure will now hold me in good stead for the future.

I fear I am going to have some issues with DFD after reading some topics on the forum. I have 1 more payment of a 6 year IVA & am absolutely delighted that I have managed to keep op with payments asked. However as regards annual reviews & closure I never had an annual review last year but still had ...

If you have met all of your obligations then no they should not be allowed to move the goal posts

Well I am into my last year of my IVA withy DFD & I have recieved a copy of my annual report to my creditors but I have not had a I & E this year, did you have the same in your last year marsha1

Strange that then Melanie as I am into my last year, normally my IP are pretty good to date with I & E's

I am into my last year of my 6 year IVA, I have just had a copy of my annual report to my creditors from my IP. The only thing is that I ahve not had a I & E review this year which is most unusual as normally I have one in august every year to date except this one. Is this normal procedure into the ...

I would have thought if you have completed your IVA & paid in all of your monthly payments & paid in extra where applicabe then why should you wait to cancel your standing order, as far as I would be concerned it should be just a case of waiting for your completion certificate. However if you have m...

It depends on what reflection it has against you I & E, I am with DFD & eack review they always say they will not ask for increased contributions where your salary has increased by 2% or less, however I had a 5% increase but with all cost of living increasing they kept my payments the same.

I am not over worried as i am into my last year & my circumstances have not changed since last years review apart from a 2% wage increase but this is swallowed up by bill increases so really should be no change. Just counting down the final months now thank god.

Well I am with DFD and into the final year of a six year IVA, normally my annual reviews have been on time however this year for some reason its late, it should have been in august but coming into november & still not heard off them regarding an annual review. Dont know whether this is normal consid...

My IVA is for 72 months, this was one of the conditions I had to agree with at my proposal in order for my creditors to agree to my IVA.
It did seem a bit daunting at first however time has flied really & ive only 2 years left to go so I can see a light at last.

I am told it will get dealy with at the annual review but I am putting 50% of it aside just in case

I have recieved a significant wage increase which is great.
At annual review do IP's normaqlly let you keep a certain percentage of it after I & E is taken into account or do they have all of the whats left of the wage increase