Annual Review a couple of months before end of IVA

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sharky980

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Post by sharky980 » Thu Aug 20, 2015 5:39 pm
Hi everyone well I am nearky there after 6 long years but battled through the thick and thin and feel great that I am only a couple of payments away from freedom!.
Last year I had my last annual review and this year I had all my property sorted and no equity in it so no extension on my IVA 7 years would have been a killer...
My question is I have just had an annual review letter is this just generic? as I only have a couple of payments left?. I have tried calling DFD but after being on hold for 20 minutes I gave up.
Any advice or if this has happened to anybody else and if I should just ignore it?.
[:D]
 
 

Foggy

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Post by Foggy » Thu Aug 20, 2015 5:44 pm
There is usually a truncated review at the end, which concentrates on the income side, rather than expenditure, just to make sure that all the income in the final 12 months has been accounted for.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

sharky980

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Post by sharky980 » Thu Aug 20, 2015 6:19 pm
Ok this is the same as a normal review with the letter heading "your annual review is due shortly"
Its the exact same one I have done every year so expenditure etc it's a copy of last years as I photo copy them it's just the dates that have changed I am wondering if it is generic because my IVA finishes in September and my yearly reviews are October so a month after my finish date.
 
 

sharky980

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Post by sharky980 » Thu Aug 20, 2015 6:50 pm
Just to add last year after I completed my Annual Review I contacted DFD and they said that was my last one.
 
 

Foggy

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Post by Foggy » Thu Aug 20, 2015 7:18 pm
Probably a computer generated mailing. Email Evette Everest.
Last edited by Foggy on Thu Aug 20, 2015 7:19 pm, edited 1 time in total.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

lifenoteasy

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Post by lifenoteasy » Thu Aug 20, 2015 7:23 pm
IVA companies have computers?
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
 
 

Foggy

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Post by Foggy » Thu Aug 20, 2015 7:54 pm
Those that don't use a room full of (badly) trained chimps :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

lifenoteasy

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Post by lifenoteasy » Thu Aug 20, 2015 8:08 pm
Some of us could BLINK and save some a fortune.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
 
 

sharky980

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Post by sharky980 » Tue Aug 25, 2015 11:37 am
Hi everyone a quick update.
I spoke with DFD last year and they said it was my last annual review that I had done and would have to do in Oct 2014.
Just worried about this letter about an annual review a month after my IVA finishes? has anybody completed an IVA with DFD and do you have to do another annual review a month before/after your finish date?.
Also do I get informed that my IVA is finishing?, as I have not had any letter to say it is? I have done all the equity release forms this year which all came back as ok and I do not have to re-mortgage or have a extension as I have 0 equity as I am near negative equity anyway.
 
 

Foggy

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Post by Foggy » Tue Aug 25, 2015 12:35 pm
I am afraid levels of service differ wildly across the industry and many firms seem to think we are not worthy of any information allowing us to carry on with our lives. The view to take is that, if you want to know, or need to know anything, ASK .. several times, and keep doing so until you get an answer.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

Emma.cl

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Post by Emma.cl » Tue Aug 25, 2015 3:11 pm
We had to do an anual review for dfd about month before our last payment which was in March. We are still waiting for our certificate.
 
 

Evette Everest

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Post by Evette Everest » Tue Aug 25, 2015 4:57 pm
Hi sharky980,
Please drop me an email (address is in my profile), with all your contact details and I will get in touch to discuss your issue further.
Look forward to speaking to you soon.
Regards,
Debt Free Direct
Forum Customer Support
 
 

sharky980

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Post by sharky980 » Fri Sep 04, 2015 11:37 am
Hello Evette

Thank you for commenting email on it's way today for you.

Kind Regards
Steve
 
 

sharky980

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Post by sharky980 » Tue Sep 08, 2015 12:08 pm
Hi Evette did you get my email last week? just tried calling DFD to find out but after 19 minutes on hold my phone ran out of credit just need to know what is happening with me completing my IVA
 
 

sharky980

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Post by sharky980 » Tue Sep 08, 2015 1:07 pm
Hi I have just spoke to Vicky at DFD and this is all sorted now and my IVA finishes as normal in December guys cant wait!.

Steve
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