Posted: Sat Sep 27, 2014 1:49 pm
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.