So after 6 years in my IVA due to no equity and then 14 months waiting for DFD to do their stuff to get creditors to approve the variation for the ongoing PPI saga (meeting was end of May) I finally received my CC certificate yesterday. I had emailed DFD two weeks ago as I had heard nothing and was promised CC shortly and IT HAS ARRIVED!!!!!!!!!!!!!!!!
I can't put my finger on how I feel - still can't quite believe it - it's been a huge part of my life for over 7 years but once my name has been removed from the insolvency register (up to 3 months) I think I will start to believe it
DFD get a lot of stick with good reason especially with EIF but I am here at the end eventually - I would like to thank everyone on this forum
and wish everyone good luck on your journeys ...
All paid up on 16th July 2013 - now the waiting game ....
DFD are not alone in being a reasonable firm knocked sideways and then down the pan by Paymex and then PPI. It seems to be the larger firms which have been unable, or unwilling, to adapt.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
So pleased you finally have that the certificate ... Hopefully this will give hope to others who are waiting for theres too ! Good luck with your new debt free life !
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Congratulations and well done. As the others say, don't get hung up on credit scores just enjoy being debt free and the extra money you now have each month.
