Good luck Sonicboom, let us know how it goes.

I can't get my head around what they want us to do with the contingency money we need to save each month i.e car tax/car repairs etc. I really hope they are not suggesting us withdrawing it and keeping it in the house, that is so irresponsible for numerous reasons and we dont exactly live in a lovel...

This is just appalling, I think we need to get some clarity on this from the IP and if this is the case we need to be really thinking about making a complaint.

Yes it does, we are still waiting for someone to get back to us to discuss a f&f in detail, not sure when that will happen! Im sure though that the new t&c's are going to be mentioned at some point!

I used to just check in periodically once our IVA was sorted with Mel and PJG but recently with all the stress and worry i have been checking the forum much more, every day in fact for any updates on what is going on, almost become an obsession which i know isn't healthy but i guess its the worry!

From what i can make out Lou its CF waiting for a number of cases of people wanting to do f&f's and then putting them forward at the same time, rather than on an individual basis.

Lou, you really don't need to apologize! I think this forum is wonderful for finding out info we wouldn't have necessarily found out ourselves, Like Chocoholic i just hope everyone keeps posting with any info we find out between us.

I don't see how they can ban savings accounts, in my eyes they are needed, not only for me for putting up my tax money, but like you say things like car tax/maintenance etc. Surely we can't be expected to keep it all in one account as that would be so confusing and drawing out and keeping cash in th...

I have to have a savings account as im self employed and i put my tax money over so its there when the bill comes in, but like you Abbiesmum Mel actively encouraged us to save from allowances if we could, for things like the washing machine blowing up/new cooker/boiler etc but she also said many of ...

I wonder if anyone has an answer to this as i have been sat mulling it over this afternoon.

When making a F&F offer do we have to also think about releasing the equity we have in the house or is it just based on the number of payments we have left to make?

Thanks for any wisdom

xx

This is my worry at the moment Abbiesmum, We usually manage to save a little throughout the month with overtime ( which half is paid over) and also through other allowances and any birthday money which we get from family which we spend on treats for the kids, school trips, birthday pressies etc and ...

Afternoon everyone, This is a really stressful situation for all of us to be in, and in my heart of hearts i don't think CF will make it easy for us to offer a F&F. Apparently from what i have read they are not putting any F&F's through as they are holding out for a mass variation which ofcourse is ...

Hi Everyone After the worries and uncertainties with Creditfix we are hoping to get a full and final together by asking a family member for help. The thing is i have no idea how to go about this! is there a formula on how much to offer for a full and final? Many thanks in advance for any help you ca...

Thanks for replying Michael, it's very much appreciated and all the advice on this forum is invaluable.

This whole secured loan issue is extremely worrying, Me and my husband are fast approaching the half way mark so still have some time to go, however, this is extremely worrying for us. If and this is a big if we had to take a secured loan does anyone know the terms of this i.e how long it would run ...