Hi All Just an update on how things have gone. After making my final payment back in November & receiving my completion certificate from Freeman Jones pretty sharpish. I let things drift along, enjoying being debt free, managing to save what I was paying to my IVA too. The next milestone was the IVA...

Was it a penalty charge or parking charge? Look very similar but very different in what they are.

I've found with both of these that I'm not on the electrol register even though I am and vote at every opportunity

Well I'm having a blinding week. I received my decree absolute, quickly followed by my certificate of completion, only 2 weeks after FJ received my final wage slip. Might be worth a punt on the lottery(at least I'll be allowed to keep any winnings). Single & solvent whoop! whoop!

I had chat with FJ about this & the debt may or not have been statute barred it would always have been there possibly rearing its ugly head & causing stress in the future. I asked if my IVA would extended if I agreed to allow the debt to be added, the answer was no, as the dividend expected at the s...

Thanks for all the responses it was always my intention to speak to FJ just needed some advice on how to approach any dialogue regarding this hiccup. After digesting all the information lim coming to the conclusion that Cabot having bought the debt are hoping I'll agree to it being mine, they will p...

That would be great Steven I've emailed you my details

This was going to be a happy optimistic post about how I'd made my last payment & was looking forward to getting on with life after an Iva with all the lessons I'd learned over the last 60 months. But alas Freeman Jones have slapped me found the face with a wet fish. They've recently identified an a...

Like most other posters I've never had an issue with monthly payments & over the past 55 months have changed insurers several times. As Foggy said challenge them, don't meekly accept what they're currently offering, plenty of other insurers will give you better quote as a new customer.

Hi would monthly insurance payments help? After all it's a credit agreement.

Thanks everyone for the interest, suggestions & support. This is now sorted, after emailing copies of my petrol receipts directly to my "relationship manager", they agreed that it would be in every-ones interests if my travel allowance was increased and my monthly payment should be kept at the previ...

Yes Steve I did finally get a call & here's hoping something can be sorted out. Apparently my fuel receipts weren't being scanned onto the FJ system, therefore not being taken into account when any allowances were being made. I've emailed them directly to your colleague along with a breakdown of my ...

I will keep trying, just hope its sorted before my next payment, which will be at the new rate, is due out at the beginning of next month

an update...I'm still no closer to getting this resolved. After the email, I did receive a call, it really wasn't convenient to take it at the time, I let them know when I could take the call...haven't heard a peep out of them since. Steve at FJ is trying to arrange a call back, it must be as frustr...

Hi Sarah

Thanks for the pointer I look forward to your colleagues call hope it can help iron out this blip