www.iva.co.uk

That's me all done and dusted, made my final payment in November and received my certificate of completion on Saturday !! The added bonus was a check for one months payment. Apparently I managed to over pay by one installment !!! Nice little bonus.

Have applied for the Vanquis card to start rebuilding my file. It's gone for referral but I think that's pretty standard practice from some of the posts I have seen here.

Excellent news Steve - congratulations!

Hope you get the card and good luck for the future!!

Nice one Steve

I hope the cheque was dated after the Certificate !!!!!

Fantastic news stevebuck

3months for certificate looks like it means the much talked about VAT issue did notvaffect you !!

Do you mind me asking which IVA company you are sorry where with ? As I'm due to make mylast payment in a few months and there seems to be a huge variance from one IVA co to another in terms of the amount of time it takes them to issue completion certificates

Well done again , enjoynyour spare cash

12 months to go - well only 6 now !

Sure no problem, i was with Debt Free Direct. Didn't expect to get it until March / April time tbh. Despite having had no payments to make since November it's nice to have the certificate in hand !!

Great feedback for DFD as well.

Good luck Steve.

That's music to my ears as I'm with DFD also

I bet it's nice to have spare money again !!

Good luck for your debtbfree future

Congratulations !!! Cant wait for our day to come. Enjoy being debt free x

Well done on receiving that certificate you're officially debt free.

What a great feeling that must be and I hope Vanquis allows the card to help rebuild your credit rating. All the best for your debt free future. x

Cheers guys, I think I may frame it lol !!!!
Cant fault DFD at all, been very good through the whole process

Great positive feedback for DFD too and I'm sure Declan will pass this on x

Great news Steve and best wishes for the future.

Thanks