Thanks - I thought something odd was going on! Having said that, I am stuck on the 'bankruptcy' site that's the subject of another thread...

I'll second this - my F&F was agreed only a few weeks ago and I received my completion certificate this week. To be fair to Creditfix, they certainly don't delay in issuing the certificates and getting it all wrapped up. To my surprise, I also seem to have been removed from the insolvency register a...

In my case it was for two key reasons. Firstly, I'd previously had confirmation that no PPI refund was due to me, so this element didn't apply. I was also concerned that the hike in fees would reduce the amount available to creditors, and therefore reduce the likelihood of them accepting the F&F off...

To be fair to Creditfix, after explaining (hopefully reasonably!) that I wouldn't be signing up to the new T&Cs, they acted very quickly. I got a date for the F&F meeting soon after, and it's set up for March.

Hopefully it'll be supported by them - we'll see how we get on....

I agree. I've emailed them and (hopefully) reasonably explained why I would prefer to retain the existing terms... It could be a mistake, but time will tell and I won't hesitate to delve deeper if the proposal is rejected. I think it would be unusual if it is - at such a late stage and with payments...

I agree with all your points - I guess my key concern is that at 15% fee rate the money available to creditors will be greater and therefore they're more likely to accept the F&F. At 23% it might just tip the balance so that creditors don't feel they're getting enough to accept it. I've emailed them...

Creditfix really are sailing close to the wind in my view. I have been asking them to put forward a F&F proposal for me for a number of months, based on payments made to date. These exceed the total sum expected when the arrangement was agreed. My circumstances have changed and I'm not able to conti...

As another transferee from PJG, it seems an utter shambles. I've been trying to get them to put forward a F&F proposal for me on the basis of contributions made to date as I've recently lost my job. My contributions at this point already significantly exceed the sum of all contributions that were ag...

Having had mine transferred too, I am concerned about this - however, whether I like it or not they have the right to make commercial decisions as they choose. However, I think it's been handled really poorly. Like a couple of other posters I though the email from CreditFix was spam, and went throug...

Thanks for all your feedback. I've spoken to my IVA company and it seems that I can keep any increase up until my review unless it's a substantial increase (what is substantial - £1, £1k, £10k?!) and after my review I should be able to retain 50% of any increase. 'Should'. Such ambiguity worries me ...

I have a basic bank account with the Yorkshire Bank - I've had no problems.

Hi, I wonder if any of the knowledgeable group here could help me with the following query:- If I negotiate an increase in my basic salary, and I find that my overall costs haven't increased to a great enough extent to account for the increase, will I have to pay 100% of any salary increase into my ...

Oh, they'll eat anything - it's the bi-products that are the problem if I'm not careful!

olympic_torch wrote:

1) Stop smoking
2) Stop drinking
3) No late nights, in bed by 9.30pm.

You may not live any longer but it will feel like it.

That's a good point - what does happen to my IVA payments if I commit suicide before the term is up?! [:D]

This is partly why I need to do some budget juggling, as my dogs have never got on well with commercial dog food. Hence, they have fresh meat and vegetables with a handful of Burns dry food. As the fresh meat and vegetables are bought from the butcher and farm shop alongside my own meagre rations (!...