Hi this also happened to me at the start of my IVA, my IP allowed my parents to take a loan out for me (£5000) to by a car and then payments for loan was taken out of my overtime each month (£125), if you know someone that can do this might work out better than leasing

Hi all I finished my IVA in oct 2013 via a F&F I check my credit score via noodle and creditcall with a score of 526, I've still go all my defaults on and all are wrong dated, I've just started writing to them after giving them a few months to catch up, will my credit score be the same on all 3 agen...

Thankyou for the reply's, I'll give them a couple of months to see how the defaults are being marked down, its strange as when I checked credit file before F&F all defaults where start date of IVA, but then some of debts have been sold on and its them that are putting defaults on but I'll wait a whi...

Hi All Just a quick question as what to expect next, I've been lucky to get my CC and also to come off the IR all within a month of a F&F being accepted, I've checked my credit file and its shows as IVA completed, so what are my next steps? should I still expect to see defaults on my account every m...

I can't believe that you are still waiting for your CC, I can't see any reason why, I did a F&F with payplan in oct and got my CC last weekend (they said could take upto 90 days), why are some firms taking so long to get these important letters out, bet you feel like you've done a jigsaw and are sti...

thank you for birthday wishes, I was also told 28 days for funds to be sent out, and up to 90 days for CC but they seem to have got everything sorted and sent it out very quick, I feel very lucky to get it so quick from reading about some of the time scales on other threads on forum.

Hi all, I just like to say a big thank you to Payplan I had a meeting for a F&F on 24th oct which was accepted, I got my CC in the post yesterday 16th nov (my birthday on 18th nov) so what a great birthday present to come from Payplan, just need my name off register now and can start rebuilding my c...

Hi , I have just received my paperwork with regards my F&F which was accepted and I noticed that of all my creditors and debt only 3 voted and the total was less than a 1/3 of debt, what would of happened if none of the creditors would of voted?

Well done and great news, thats my next step had my F&F accepted on thursday and they said CC should be within 90 days, it still seems strange waking up and not being in an IVA

Hi all Yes I got a phone call at 16.45 telling me my F&F had been accepted so we paid the lump sum over the phone and they've said I should get my CC within 90 days, still can't believe that's it over we've had a many ups and downs over the past 4 years and it's been a very steep learning curve. Tha...

Hi All I had my F&F meeting today and its been accepted, so its finally over, its been a learning curve that was very steep but the relief of being told that my offer had been accepted and to pay over the lump sum was a massive weight off my families shoulders. Also a big thank you to every poster o...

Well the day has come it my F&F meeting today, didn't sleep much last night and feel like starting smoking again I'm stressed out, meeting was 10.30 its now 12.45 and still no contact, I've rung and they said it could be as late as 5pm before all votes are in and sorted, this is worse than waititng ...

Thank you for the reply I thought that was the case but was also hoping that the full and final meant just that, I haven't paid the overtime over yet as if they don't accept the F&F I think I'll have to go BR due to increase in my mortgage and me not paying my IVA for 2 months (which payplan know ab...

Hi All I have a F&F meeting on thursday, my question is that I've not sent my last 3 months payslips in yet and have overtime on them, will this overtime be swallowed up with F&F payment or will I still need to pay it over on top of the lump sum? A F&F means just that doesn't it or will they want ev...

Hi pavel I know what you mean I'm around £2000 short of original figure set out and only 18 months left, only thing going in my favor is I've nothing else to give apart from the £5000 I'm offering I've no equity in my house, so if they don't accept it they'll get nowhere near £5000 if I go BR, so fi...