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Posted: Tue Nov 01, 2011 8:33 pm
by Sam C
Hi,
Today the last IVA payment was taken from my bank. I know I should be excited, but until I get that certificate of completion, I wont be able to relax!
Should I contact them this week or wait until they get in touch? I'm with DFD, never missed any payments etc, should it be a straight forward process now?
Good luck to everyone on here on there journey - it will be worth it in the end, even though sometimes you dont think it is..my 5 years has flown by..and I have learnt some real lessons in life..i'm only 30 now so hopefully can get my life back on track.[:)]
PS - I only found this site the other day and oh how I wish id found this years ago!
Posted: Tue Nov 01, 2011 8:41 pm
by kallis3
Hi Sam and welcome.
Congratulations on making your last payment.
You need to confirm with DFD exactly how long it will take to get your letter. It may take a few weeks depending on how long it takes them to tie up the loose ends.
Good luck for your debt free future!
Posted: Tue Nov 01, 2011 8:42 pm
by molly16
well done , 16 days to go for us . they promised us completeion cert by xmas. gonna wrap it up for hubby !!
Posted: Tue Nov 01, 2011 8:45 pm
by luluj
Please make sure you cancel your standing order / direct debit only when you have been confirmed as last payment received.....you can then wait for your certificate in the comfort knowing that your money is your money - well done - a great achievement !
Posted: Tue Nov 01, 2011 8:50 pm
by cookies68
Fantastic Sam, we all look forward to that day. Just make sure you don't make the same mistakes twice!!I am sure you won't. Enjoy your debt free future and best of luck
Posted: Tue Nov 01, 2011 9:40 pm
by Sam C
Thankyou all for the comments, much appreciated! Good luck to you all for the debt free future that lies ahead!!
Posted: Tue Nov 01, 2011 9:46 pm
by Shining
Hi Sam welcome to the forum, it's always lovely to hear about an IVA running its course successfully. Hope you get that certificate in due course and well done on completion. x
Posted: Tue Nov 01, 2011 9:47 pm
by Firefox
Well done! I was also with DFD and usually you should have your cert within a month or two. Ours has been delayed due to one creditor not putting in their claim so we are still waiting for the cert although we finished payments in June. everything is in now so should be any day now. DFD are very efficient so I imagine it will all be straight forward for you. Good luck for your debt free future.
Posted: Tue Nov 01, 2011 9:54 pm
by Sam C
Thankyou all, I will give DFD a call later this week to make sure the last payment has been received ok and how long it will take for my certificate. I will also be checking all my credit records and get them sorted in due course...I dont know where I would have been if it wasnt for my IVA, its taught me so much about life, I've grown up so much in the last 5 years. Time to start rebuilding my life
good luck to you all for the debt free future.
Posted: Wed Nov 02, 2011 12:18 am
by Ivaniva
Well done! Not far behind you.
Posted: Wed Nov 02, 2011 6:57 am
by Struzzo39
congratulations and enjoy!!
Posted: Wed Nov 02, 2011 7:27 am
by oscar
Hi Sam, We were with DFD I'd give it maybe 3 days and ring them to check it's been received at their end then they will tell you to cancel your standing order. Best wishes
Oscar
x
Posted: Wed Nov 02, 2011 7:31 am
by littlefi
I bet that feels good eh? I'm impressed I'm nearly 6 months in, can't imagine finishing. Congratulations!
Posted: Wed Nov 02, 2011 12:27 pm
by Sam C
Thanks all for the comments! Thanks Oscar for the info! Littlefi - I know it feels a long way off but believe me it will go quicker than you think. All the best to you all for the future!
Posted: Wed Nov 02, 2011 2:56 pm
by Declan at DebtFreeDirect
Congratulations and well done Sam.
If you need anything in terms of checking on the completions cert, please feel free to drop me an email - I’m more than happy to help.
Thanks