Just thought i would give everyone an update and the moment i have been waiting for has finally arrived and yesterday i received my completion certificate. I am over the moon at finally being debt free but to be honest i was expecting a glitzy certificate and in reality it is all very plain with a h...

Hello Debt Free, I am not sure which company who you are with but it does sound like Freeman Jones (The company who my IVA is currently with) and they asked for payslips every 6 months together with a copy of the I&E form. I use to send my payslips in every month but the 6 month review is just to ma...

Thank you all for your kind advice and i will follow this advice once i receive my CC. I can't believe it is nearly all over and have to admit that at times this has been a struggle but the IVA was the right choice for me. I have learnt a lesson when it comes to spending beyond my means and i don't ...

Just thought i give you another update and i have received the letter detailing the acceptance of the full and final settlement at the Creditors Meeting and all funds have now been transferred. I did notice that MBNA who rejected my original IVA proposal (owned 21% of my debt) were not listed as a c...

just to give you all an update that i received the phone call today from my relationship manager advising that the full and final was accepted by the creditors. As you can imagine i am over the moon with the acceptance and just waiting for all the documents to arrive with the details of the acceptan...

Thank you for the clarification Melanie, I guess i am hoping the creditors do vote now. Well with regards to the full and final as per the advise from this forum i put in a full and final based on my remaining monthly payments and just gave a little lower as the creditors will receive this upfront. ...

Well today is a new day and i have a more positive outlook, at least the creditors did not reject my full and final proposal and just have to wait 1 more week. 1 week is nothing compared to the 3 and a half years i have been in an IVA so far. I totally understand your comment Melanie and yesterday i...

Well i phoned Freeman Jones and spoke to someone who then spoke to my relationship manager saying that there is an issue with some paperwork and they cannot get hold of the creditors to vote. So they have to adjourn the meeting for another week. I am really angry as this is the same situation as las...

I am still waiting patiently, i did phone up at 12:30 to see if the meeting had finished and was advised that i would receive a reply today as the IP could be sorting out the paperwork and any questions from creditors. I am just worried it will be declined or adjourned :-( I have been waiting patien...

Thank you for all the support, the meeting started at 1100 and still not received any phone call yet. I am waiting nervously.

Not sure if the longer i wait is good or bad news

I will keep you informed once i receive any news.

Well today is the day if i find out if the full and final settlement offer will be accepted. I am really nervous and takes me back to when my IVA was originally accepted. I am probably more nervous that my previous full and final was rejected last year and i just hope this is accepted by the credito...

Just thought i give you all a further update, the creditors meeting for the full and final settlement offer is due on the 12th September. Just hope that they accept what we have offered. Current outstanding payments are £7011.00 (19 x £369) and we are offering £6,500 as a full and final settlement. ...

Just thought i give you all an update on my Full and Final Settlement request. I have now received the draft proposal report after 3 months of waiting (Freeman Jones did keep me informed all the time) and have signed and sent it off. So now just waiting to be advised when the creditors meeting will ...

Hi Taxi-Dancer, I am with Freeman Jones as well and i also put forward a full and final settlement offer at the end of April and still not received the draft proposal. I was advised by my relationship manager that it can take up to 3 months to get the draft proposal and i only recently received my a...

I would not give up on passing the Virgin Media Credit check. I am 3 years into my IVA and decided to try for Virgin Media, i signed up online and had a few emails from them explaining that they were going to carry out a credit check and i thought game over but within one day they emailed me back sa...