Just to echo what Northumbrian69 posted.
Apart from a short spell during our equity release palava, my contact with GT has always been positive.
We have been fairly lucky that, other than annual reviews, we havent had to pester them too much.
They were excellent when Mrs Torch lost her job, and, up to press, I cannot fault them with how they have dealt with our f&f offer.
On a purely personal note, this is just my opinion, I know an iva is tough, 5/6 years is a long time, and I know I keep banging on about this, but, if I rewind 5 years, to what we were going through, no different to anyone else on here, 6 months to wait for a completion certificate is a small price to pay. Again, personally speaking, you have stopped paying, I am in no rush to ever obtain credit again, ok, it may have inheritance issues for some, but what would you use the money for, more credit?.
We all should bear in mind, the professionals on here (which one is Bodie or Doyle?), are giving their time gratis, and without them this forum would be pointless.
Aucto Splendore Resurgo.
IVA accepted May 2007.
Extended by 12 months in lieu of equity March 2012.
F+F offer accepted May 2012.
C of C received August 2012.
IVA dropped off credit file 24th May 2013.