Hi folks, have been reading this posting and thought phew! I have been with DFD from the outset and have just completed my first year, I haven't had a problem with them although when i sent in my first annual review and got a letter asking for my fuel receipts (which i hadn't kept, lessons learnt there) and my council tax which i did have, i was somewhat upset by the tone of the customer advisor when i contacted them to say i didn't have them and really the increase of fuel was there for all to see but at the end of the day she has a job to do the same as I. Don't worry you have entered into an agreement which has also been approved by law with them and as long as you abide by that then you shouldn't have a problem. I wish each and everyone of you good luck and be positive, I know it is hard sometimes but you will get through this.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.