Well hats off to Freeman Jones. They have spoken with Capquest on my behalf and this debt was the Abbey one but registered twice!!! They have sent our completion certificate off to them and they will now update all 3 credit references with the correct dates and remove what should not be there at all...

Yes we did have a debenhams card that was GE money but the 2 debts that Capquset are talking about are over £2000 and the one for GE Capiatla was for under £300. Funnily this isn't showing on the credit report!

Second that one Stirling. I still look all the time at this forum and still gain knowledge even though I haven't needed to post. Life for us since the IVA financially has never been better. We are in the best place with our finances in our whole 20 year marriage. The Iva totally re-educated me. I ge...

Thanks Mel. I have to say Freeman Jones didn't seem at all phased by trying to help me but I must admit they were always on the ball with me. They are even going to email our completion certificate to them to speed things up. I presume they have access to a different department at Capquest than we d...

Sorry just re read our Iva started in 2008!

Hello to everyone on here. Haven't posted for years but read the forum regularly to see how people are getting on. Our IVA started in July 2011 and we completed it with a full and final in 2011. Coming up to the six year point so have started to look at mine and hubby's credit reports to check the d...

Well it has been APPROVED!!!! Sorry about not posting but as i was up half of Sunday night pacing around I was so out of it last night I couldn't even tell you what i had for tea. 100 % of my creditors voted to accept our full and final offer after just over 2 1/2 years of paying and 100% voted yes!...

Our full and final meeting is tomorrow. I haven't beem asked to deposit the funds from my 3rd party upfront but I do seem to recall some posters mentioning that they have had to do this. As my 3rd party is my employer maybe they thought this was a safe option,just sthinking aloud. Goos luck with you...

Thanks Lesley, i will post tomorrow with the outcome. I have the breaking strain of a gnat as far as limiting myself to one or two glasses, it will more than likely be a whole bottle at this rate!

Well I have got up this morning with a complete sense of dread for tomorrow. I feel physically sick and my stomach is churning. My operation is on Wednesday and I t5hink with a full and final meeting arranged for tomorrow and an operation in the same week is all proving a little bit too much for me....

Well fingers crossed for you, I am sure that if it was bad news that they would have got hold of you.

Oh my god, you poor thing. I hope that doesn't happen to me when my meeting happens next week. That is appalling to have left you in the dark, which company are you with?

Well the day of reckoning is nearly here. Our meeting to try and conclude our iva early is next Monday 21st. Keep getting butterflies now and i am hardly sleeping. Hubby has now stopped work and I really hope it is accepted because I am going into hospital next week for an operation and not sure how...

Hi, my husbands work only pay for 5 days sickness in any one year period and he has already well exceeded that amount and then there is only statutory sick pay. This is more than the money now as my husband can not go on with this job. Before Xmas they were expecting hiom to work 7 days a week. He w...

Well I have spoken a couple of times today with my iva company and explained things to them. I have always kept them in the loop about hubbys health so they have now agreed that his health has to come first. My boss has been wonderful today and has said to me that he will give me £2000 to present as...