www.iva.co.uk

Hi everyone,

This is my first post so I apologise if this is n the wrong place or if the question has been asked a million times before.

I started my IVA with Debt Free Direct in Sept 2007 and apart from missing two or three payments (which were added at the end of the period), I completed my final payment in February this year.

I was expecting my completion certificate within 3 months but it never arrived. I contacted DFD and was informed of a tax issue and my PPI claim was still being processed.

I contacted them again around 8 weeks ago to be told everything was now OK and my completion certificate would arrive before Christmas.

After contacting DFD again last week, I was told the PPI was still outstanding and that a variance meeting would be held with a view to releasing my completion certificate and deal with the ongoing PPI after signing a disclaimer that any PPI payment would be paid to DFD.

After asking when all this would happen, I was told no timescale could be given. It looks like this will drag beyond the New Year and looks likely it will be hitting 12 months after final payment.

Has anyone else experienced similar and is 12 months common for final completion?

Thank you for any help

Hi Foxy -- I am afraid, amongst the larger firms 12 months is more the norm -- with some stretching beyond two years !!

Smaller firms have managed to keep up with the current problems, but, I guess larger ships are harder to steer !!

Thank you for your reply, Foggy. Guess I just need to be patient.

Hi there
I'm in the same position and I've been told the same by dfd!
It's like a waiting game!
I don't understand though why it takes so long..!

I think it is totally wrong.....

You get led down the road of 5-6 years till you are free, when agreeing to a IVA. Up to 8 years in reality?????? That's not acceptable.

Be it, by our own demise, we are prisoners regarding our finances.

HOWEVER..

Like a custodial sentence, the release date should never be extended, due to inadequate process, or incompetent prison guards.

same situation here with DFD

got my variance meeting Dec 27th after what was a 5 year iva and will be 7 years in Feb

is there any justifiable reason for the extension?

could the reason have been explored during the IVA term, by the IP?

It just seems the term is extended to so many people, the system is wrong?

Hi - i'm virtually the same as you, Iva started with DFD August 2007, final payment in January - still waiting for CoC. My variation meeting to close my IVA outside of the PPI claims was held on the 28/11, I received a phone call from DFD - was informed the variation was agreed. It has now gone to the closure department and I was told I will have my CoC within 3/4 weeks. I found Evette on the DFD Forum to be extremely helpful - she always replies to every e-mail and chases things up and it wasn't until I joined this forum that I finally got things moving.

This is a very interesting thread as I am also with DFD!
We are due to complete March 2014 as we had a 2 month payment break out of a 6-year IVA. I contacted DFD by e-mail for confirmation on the date I need to cancel S/O with bank which was confirmed.
In the e-mail, they informed me that closure will be approx 6 months after the end but having read other threads over time on this forum I think I'll set my sights on a year and anything else is a bonus!
I'm sure We signed forms for EIF to act on our behalf for PPI approx 2-3 yrs into our IVA so feels like it's been going on for years. I feel a variation coming for us too [:(]
It's so frustrating!

Mine's gone beyond two years now with the PPI claims delaying things. I've been wanting to move house for over a year, but until the completion certificate arrives and my credit history is clear I'm unlikely to get a mortgage

Dont be patient be pro-active contact them weekly be a pain in the rear until they get fed up and push yours through.
Just waiting only puts you at the back of the queue.

Its a scandal people would have to do it but all the posts on various threads here show its commonplace.

Hello Foxy Warrior,

Please drop me an email (address is in my profile), with all your contact details and a member of our Forum Support Team will get in touch to discuss your issue further.
Look forward to speaking to you soon.

Regards,
Judith

NB: As there are several forum members commenting on this post with similar issues, please feel free to email DFDForumSupport@fairpoint.co.uk and a member of the team will review your case in more detail.

hi there well my last payment with dfd was dec 2011 and I finally received my cc in june this year just keep buggig them for me it was the only way to get answers

This makes me really angry, I am in the same position. IVA paid off in full April 2013, still no completion certificate.

I received a windfall in Nov 2012 which meant I could pay off my IVA in full (in fact I could cover the whole default sum). I told Grant Thornton this immediately, yet it was April before they had set up a variance meeting with me.

In the meantime they told me I had to send them all of the windfall (regardless of the amount). I refused, and would only pay what I had to, so ironically I ended up sitting on rather a lot of money for a few months.

At the April meeting my creditors unanimously agreed to the settlement proposal, therefore I naively assumed that giving them the money and me a certificate would be a simple process. But no, still waiting. 'It will be with you by November at the latest' I was told. It wasn't. Unforeseen changes to the industry are affecting how IVA's are managed'. Simply put it is poor administration.

What angers me is that at a time of need i went to the Citizen's Advice Bureau for impartial advice, and was told my best option was to go with Grant Thornton (their pnly recommendation). At the time I believed they were a partner agency of the government who were there to help me - if they were the only recommendation from CAB they must be good. How wrong could I be.

I signed up anyway ( I had little choice to be honest), and received a nice letter from XXXXX XXXXX, my personal practitioner, who would deal with my case form start to finish. He told me to contact him personally if I had any issues or concerns. I tried this, and nothing. No reply. I even phoned to check if he still worked there and he did, but they wouldnt let me speak to him. So much for the personal service.

Now I realise they just do not care at all. I have paid all my creditors, over 9 months ago now, and I have also paid GT their £3000 fee. I don't however have the one thing I need from them so I can get on with my life, which is surely what it is all about.

So I am now debt free, but can't get a mortgage, or a loan, or anything else I should reasonably be allowed to do. If I go overdrawn I get stung heavily, because I am unable to arrange an overdraft.

This should not be allowed in this country, a private company taking money from people in difficult situations and not completing their side of the deal, especially when recommended by a government organisation. Appalling.

I shall keep nagging them daily, and will be filling in the complaint from as well, I just want others to know how bad my experience has been with them, to hopefully share others the hardship, though sadly in this situation it seems we have no choice.

I was aware the CAB generally recommend GT ( for reasons of which I am unaware) and must agree, that it is appalling that a trusted aid agency is not giving those in need the full facts and railroading debtors onto one "pet" firm.

Are they not supposed to be providing impartial advice ?