Hi, I'm looking for some advice based on a recent call I made to my IVA company DFD I have had my IVA for 4.5 years and currently paid back £35000. I recently left my last job and was paid a lump sum that will enable me to pay 100% of my debt. My original debt was £57000 so including their fee I will have paid £72000. My concern is that when I phoned DFD they have told me that I may have to wait 12-18 months for my completion certificate but they are working towards an 8 month time frame. Is this right, I was hoping for 2-3 months as to me 12-18 months is wasted time. I believe all the credit reference agencies would want to see this certificate? I am reading a few posts where people are having to chase up and DFD are just not interested. DFD have told me that its to do with tax on PPI's. I have only one PPI claim outstanding which is for a few hundred pound which Equity in Finance have been chasing for 2.5 years, I wish now I did this myself. I should be feeling happy that I'm so close to closure but feel that my 5 year IVA may actually be a 7 year IVA and even paying back 100% of my debt its still going to be an uphill struggle to start again. Any advice would be very much appreciated.
Dear Wildcat,
Please contact me via the email address in my profile so I can take a look into your case and address your concerns.
Speak soon.
Thanks,
Evette Everest
Knowing EIF it could be even longer ! WE sent our paper work off to them over 3 years ago and yet it still hasn't been finalised. Only last week we were sent more forms to re-sign as the time had run out on them. Complete joke. Wouldn't mind if there was any ppi. Hope you get it sorted soon
