its finaly here now to get on with life woop woop woop

well,, paid full and final today so now sat watching letter box for completion certificate , the lights at the end of the tunnel are getting much brighter now happy days ahead

hi
please could i thank everyone who gave me help and advice, you were all a massive help your knowledge was invaluable
i'm off to work later but now its earning money for a very different reason
thanks again everyone rover860

good news all baring the completion certificate its all over

not yet

sat with a brew waiting

d day
creditors meeting tomorrow 10.15 everything crossed

an offer is now in the post , breath held and everything crossed

kallis3 wrote:

Good luck!!

will have everything crossed till about july i think

just got all the info pack for f&f will be gathering up all that i need and putting in offer at the end of march harrington brooks seem to be very helpful at the moment so fingers crossed everything will be fine thanks to everyone who gave me advice it has been very helpful i will keep you all poste...

Lisa Thomas wrote:

I would advise you get the equity position established first so you know whether or not the year extension will apply. This could save you a years worth of contributions as part of the offer...!

thanks yes its top of my to do list

hi rover i had no equity in my home so offered just over my remaining months left which i think was 15 months i made it clear i would only drawn down pension for full and final proposal i sent mortgage statement valuation letter from estate agents my pension statement with offer letter i started th...

we were with harrington brrokes we did a full and final with part of my pension pot i made it clear funds wou;d not be drawn only as settlement to full and final payment if proposal rejected by creditors i said the pension would not be drawn ours was accepted i only drew down the ammount for the fu...

but the point would be that if they don't accept your offer you don't draw down the pension. How much are your monthly payments and how many do you have left to go? Does the extra year apply to you re the equity clause? hi yes i think the extra year is included and the total i would have to pay add...

Hi, as linrog says, OFFER to make a draw down only, conditional upon ther offer being accepted. If you draw down anything outside of the offer it will be taken into the IVA anyway, with no benefit to you. hi thanks for the reply so if i understand correctly just for instance if i have acceptance of...