Creditors accepted full and final & weight is slowly being removed from shoulders. However, we are now going into 11 weeks since full and final offer that creditors accepted, but only 6 weeks since we paid off the full and final, my question which date do they proceed from, the offer date or the payment date, as I know it can take up to 3 month, and final question, can I release some of my pension when I receive certificate
They will proceed from the date the payment was actually made --- and, although 2 - 3 months is the norm, it can take up to 6, and sometimes more.
I have found that even the 'better' firms tend to leave customers in the dark after the final payment and there is no harm in asking where they are up to.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I paid full and final payment 2nd October and when I enquired when I would receive completion certificate they have just emailed yesterday to say by May next year I am with Aperture .hope that helps .
I'm pretty sure you will be ok to take your pension once your completion is received but hopefully someone can come on and confirm.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
