I completed my IVA in September 2013 and out of interest decided to check my credit file today.

There is an account showing as default dated 1/2/14 from a company called Marlin financial services ltd - all other accounts show as up to date, settled or satisfied.

Do I need to contact this company?

woohooo - the offer has been accepted. I can't quite believe it, it seems like a dream. I can't wait to break the good news to Deb's mum and the rest of the family. Huge thanks to Melanie and all her team (particularly Laura) for all their help. Best wishes to all other forum members - there is ligh...

anquishly awaiting word on how the meeting is going. How long do these meetings take? It started 2 hours ago - is that a bad sign?

I can't bear the waiting, fingers still crossed.

I Got my date through for the creditors meeting, many thanks to Melanie and her team for all their efforts. FRIDAY THE THIRTEENTH !!!! ;) of September. Hope that's not a bad omen, although I'm not usually superstitious (apart from saluting the odd magpie). Will have my fingers crossed until then. Wi...

I wasn't saying things are taking too long Melanie, I have no clue as to how long the process usually takes. That was the point of the thread really to let others gauge how the process works, the information they need to provide and the time scales involved. I'm sure you and your team are doing your...

Quick update: no news yet, I was hoping we would have a date by now and my mum in laws condition is becoming worse :( she isn't doing very well with the chemotherapy either but on a lighter note we all had a great weekend with relatives in the south of England last week which perked her up a bit and...

Thanks for all the kind words. I'm sure Melanie and her team are doing they're best. We all have our fingers crossed for a good outcome.

Quick update: my proposal is drafted and awaiting finalisation at the IVA company. Should get a date soon I hope.

Tried to contact you via your website Melanie but must be a problem with it I guess? Nikki is dealing with things for me your end, I'm sure she can bring you up to speed on my case (my initials are PS). Anyway, for other forum users - Been asked to provide a few more details to complete the proposal...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by kallis3 Hi Nix, I'll just bump this back up as I have no idea what you should put down. Just about to pen a letter for the same thing and find myself with the same dilemma. Is the fact that the money h...

Thought I would start a thread as I have submitted a F&F offer through Melanie's Company and thought it might be useful for some members perhaps contemplating making F&F offers of the procedures and time scales involved. I submitted the offer, well posted it to my IVA company, on Thursday 6th June. ...

I have seen posts referring to letter templates that may be useful for forum members, but having searched I can't seem to find any. Could some kind soul point me in the right direction please.

Many thanks.

Been trying to contact you via your website Melanie, is there a problem with it?

I am approx 21 months into my IVA and my mother in law has offered to help me out if she can with money for a final settlement of my IVA. So far my contributions are 4,557 (@217 per month) and I paid uplift last year of 6,629 The total of the IVA is 13,700 Also I have a remortgage clause in my agree...

Update: increase in contributions lowered from £26 to £17 extra. Bonus!!

Shame I'm working tonight [:(] off to bed soon.