Fantastic news and what an Xmas pressie too, congratulations and well done. Have a fab Christmas and an even better 2016, good luck.

Hi Antm, well done on your completion and moving forward, it's amazing how you stick to the rules even when you don't have to, I do, sometimes I find myself smiling because I'm sat having a coffee which was a rare event when in my IVA, checking what's gone out and how much is left, these days I don'...

Thank you all, it I can be of any help to anyone then please don't hesitate to ask, I'm not an expert by any means but have been through what most of you are going through now.

I will certainly do that, this forum was my saviour and allowed me to vent more than once! Oops.

Lovely to see you too Kallis3 as I hadn't seen you for a while before completing. Congratulations on your completion , fab news and such a good feeling. I remember when I first joined reading about people who had or were completing and wishing that was me, that time soon flew by though and many less...

Hi all, hope that you are all well, I thought I would drop in to say hi to everyone and give an update on where I am now 3 years since having completed my IVA. I have recently got married and have now rented out my home which I kept whilst in my IVA. I have also been promoted at work into a dream jo...

Well done Mark, having previously been a customer of DFD I know your frustrations very well, I did shout loud and proud, got my MP involved as I felt I was being treated unfairly, my IP either didn't read my emails initially or answer them until the MP wrote to them. This PPI saga is dragging on far...

Little miss trouble, well done on completing, I haven't been around for a while as getting ready for my wedding in September, budgeting for that and managing very well. Good Luck for the future to you too. x

Well done Bobbles, I'm now two years down the line since having completed my IVA, I now manage my money very carefully, never go overdrawn, I was offered a credit card with over £3500 on it and refused! Living what I learnt from having been in an IVA now, you have piece of mind now and being debt fr...

Hi Jill and a very big well done from me too, I'm now nearing 18 months since I finished with DFD, I have got my certificate thankfully. Life has been very good to me since I finished, I, like yourself won't have credit cards again, if I can't afford it, I go without or save up, this year is going t...

Agree with all the above and very good point made by Foggy re payments. Thankfully not all finance people are dinosors!

Totally agree with Skippy on this one.

Me too, i had to renew our phones in the house and as my soon to be hubby is deaf we have to have a number of them, so got a quad set for £15 originally £77 but used some of our vouchers. Spent the rest on food and on joints of meat that have been halved so four meals for the four of us. Still love ...

There isn't anything to discuss really other than stop phoning me please, unless of course i've overpaid! Strangely since having posted this and requested that the phone calls stop via customer services, not one phone call today, mind i think the 8 calls yesterday made up for that. Thanks Judith hop...

Well they are damn persistent that's all I can say, I've just downloaded an app that blocks and low and behold another phone call about 8 minutes ago but the blocker got it thankfully.