Completion Certificate Delays

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Foggy
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by Foggy » Fri Oct 06, 2017 4:32 pm
Hi all,

I am gathering information / examples regarding undue delays in the issue of completion certificates. Could members please post below with their experiences - just a brief paragraph with the length of delay and the reasons given (in fact, was a reason given? ) and who do you think was at fault ?

The name of the company would be useful to see if there is any pattern, but I understand if you would prefer not to include this.

I hope to get as many as possible, so, please ... post away .......
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luluj
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by luluj » Sun Oct 08, 2017 5:01 am
Back in 2011 when ours was due we waited 4 months from DFD as they were slow to get final claims in from our creditors.
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kallis3
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by kallis3 » Sun Oct 08, 2017 7:21 am
In 2013 (mine) and 2014 (hubbies) we both received ours within 2 weeks - Payplan.
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Jo1979
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by Jo1979 » Sun Oct 08, 2017 9:05 pm
Last payment made to Aperture 28th August.... Not heard a word from them as yet..... Emailed them on 4/10 no reply so far..... tick tock waiting waiting
Krif
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by Krif » Mon Oct 23, 2017 5:19 pm
We've been waiting since July with dfd. Only found out at weekend they are no longer trading. Rang new company who said our paperwork is on a pile so delay in getting completion certificate. They don't know when be done due to backlog from taking dfg work on.
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wildcat
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by wildcat » Thu Nov 02, 2017 10:04 am
Foggy wrote:
Hi all,

I am gathering information / examples regarding undue delays in the issue of completion certificates. Could members please post below with their experiences - just a brief paragraph with the length of delay and the reasons given (in fact, was a reason given? ) and who do you think was at fault ?

The name of the company would be useful to see if there is any pattern, but I understand if you would prefer not to include this.

I hope to get as many as possible, so, please ... post away .......


Hi Foggy,
I think I can help you here, I started my IVA with DFD in 2010 and due to not being able to release Equity I completed it in July 2017. I believe I payed 90% of debt but with their charges I paid more than original debt. I received a letter from my IVA supervisor weeks after last payment stating my IVA had been extended by 6 months but required no more payments as all complete, no specific reason given as to why I had to wait. This morning I thought it would be a good idea to chase up DFD and found out DFD has transferred to Aperture. God knows who's in charge of issuing my CC. When I received the letter I wish I called DFD for an explanation but to be honest I was so relieved in completing the IVA I never bothered. I'm going to try and call Aperture this morning to see what they say but at the moment I have completed the IVA and apart from a letter I have no proof and it looks like on Noddle and Experian my IVA is till active and there's me thinking after 7 years of living on pennies all would be stress free now. :cry: :cry:
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wildcat
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by wildcat » Thu Nov 02, 2017 10:07 am
Krif wrote:
We've been waiting since July with dfd. Only found out at weekend they are no longer trading. Rang new company who said our paperwork is on a pile so delay in getting completion certificate. They don't know when be done due to backlog from taking dfg work on.

HI krif,
I am in exactly the same boat. Completed in July didn't even receive a letter to say that DFD are no longer trading and have transferred to Aperture. I'm getting on the blower this morning and hopefully find out something. What a nightmare, Will this ever end??? :cry:
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magicsam
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by magicsam » Sat Dec 02, 2017 10:42 am
I made my final payment on 30th October and received my completion certificate this morning (much to my surprise) so it can be done. My case was pretty straight forward with no equity to deal with but I was still ready for at least 3 months waiting, this was with Payplan.
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Foggy
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by Foggy » Sat Dec 02, 2017 10:48 am
magicsam wrote:
I made my final payment on 30th October and received my completion certificate this morning (much to my surprise) so it can be done. My case was pretty straight forward with no equity to deal with but I was still ready for at least 3 months waiting, this was with Payplan.



Good to see that they can do it --- let's hope it is a sign of things to come ....

Congratulations !
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magicsam
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by magicsam » Sat Dec 02, 2017 10:53 am
Foggy wrote:
magicsam wrote:
I made my final payment on 30th October and received my completion certificate this morning (much to my surprise) so it can be done. My case was pretty straight forward with no equity to deal with but I was still ready for at least 3 months waiting, this was with Payplan.



Good to see that they can do it --- let's hope it is a sign of things to come ....

Congratulations !


Thanks Foggy.

I suspect there are others like me who did not tell anybody about their IVA so for people like us forums like this are vital, so thanks for your input and the other regular posters.
popstar
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by popstar » Sun Dec 10, 2017 1:03 pm
hi me and my husband have been in a iva since 2011 and was in our 6th year when he died had there meeting and decided that my wage isnt enough to cover the monthley payments so had a meeting and said to finish it i was waiting for the completion certificate but it didnt come so rang up and thay say i have to sign a new form saying that any thing to do with ppi or or that sort of thing i have to hand over and onec i sign this form witch is a legal document i can have my my certificate so it seems that thay still think thay can get blood out of a stone and wont stop till this bank thing is over
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Foggy
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by Foggy » Sun Dec 10, 2017 3:29 pm
popstar wrote:
hi me and my husband have been in a iva since 2011 and was in our 6th year when he died had there meeting and decided that my wage isnt enough to cover the monthley payments so had a meeting and said to finish it i was waiting for the completion certificate but it didnt come so rang up and thay say i have to sign a new form saying that any thing to do with ppi or or that sort of thing i have to hand over and onec i sign this form witch is a legal document i can have my my certificate so it seems that thay still think thay can get blood out of a stone and wont stop till this bank thing is over



Sorry to hear of your loss. Unfortunately the PPI will still belong to the creditors and most firms will not complete without some form of assignment.
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kallis3
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by kallis3 » Sun Dec 10, 2017 4:30 pm
I agree - you need to sign this so you can move on. Sorry for your loss.
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Katy1974
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by Katy1974 » Sun Jan 07, 2018 10:58 am
I entered into my IVA on 3rd january 2012 and made a full and final payment the next day. Despite constant calling i didnt get my certificate until August. I've since been told by a mortgage advisor that the date it will all be cleared from my credit report will be August. At the time I was told by payplan that it was due to some system changes which caused delays.
Does anyone know if the date on file is the completion date rather than the agreement date?
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Foggy
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by Foggy » Sun Jan 07, 2018 12:08 pm
Katy1974 wrote:
I entered into my IVA on 3rd january 2012 and made a full and final payment the next day. Despite constant calling i didnt get my certificate until August. I've since been told by a mortgage advisor that the date it will all be cleared from my credit report will be August. At the time I was told by payplan that it was due to some system changes which caused delays.
Does anyone know if the date on file is the completion date rather than the agreement date?


The 6th year anniversary ( the date the credit files remove the IVA reference ) is counted from the start date of the IVA. So your files will clear up anytime now, as long as everything is dated correctly.
I would suggest you deal with a mortgage advisor who knows what he is talking about. We have a couple who post here regularly and have helped many forum members: Ryan and Shaun. Their details can be found under the "Quick Links" tab above on the left and then under "The Team" on the drop down. They are towards the bottom in yellow.

Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record
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