My F&F settlement has been accepted. How long do i get to pay the money? Someone said 3 months, is this correct? Thanks

Hi All. I put forward an amount for a Full and Final settlement in February. I received a letter saying the creditors had 35 days to reply. Today I received a letter saying the creditors had not replied and the proposal has ben re-submitted. Do the creditors not have to reply? What happens if they d...

I Too am in this mess because of online gambling, lost a fortune over 5 years. I think the pushing of these sites on the Internet should be banned and regulated. It is really difficult to stop when you are being bombarded all the time. Even Orange my mobile phone provider push Jackpot joy. at least ...

Thanks everyone. Not yet had F&F accepted but just trying to find ways to get credit score improved. Have a mobile contract so thats good news! Good luck to you all, hope this year will turn out to be better than predicted for us all! x

Raising Credit rating.I have been in IVA for 18months and have offered a F&F settlement.If this is accepted I would like to try for a mortgage this year. What is the best way of trying to improve my credit rating again? Thanks,Vanessa.

If I settle my IVA early does it still affect my credit rating for six years from creditors meeting?

My pay has increased and I have been asked to pay £2000 backdated 6 months. If Ican offer a F&F settlement will this amount be deducted as a sum already paid? I cannot pay this amount and may need to borrow some money from my family to pay it. I will be calling my IP provider as i think it has been ...

their website is www.xitdebt.co.uk .

I have been in IVA since last November and have been approached by a company who got my number from the insolvency register. They are saying they can reduce my IVA payments. Has anyone else been approached, what can they do and is it legal? Thanks all![:I]

Thanks Melanie. I will call them and ask for it. I always feel better talking to you!

Thanks. Since my IVA was accepted I have have received nothing from Varden Nuttall. Should I have any kind of contracts or confirmation sent. I had a phone call saying my IVA had been accepted by 0.1% but no other contact. Just feel I might be missing something?

Hi. when my IVA was proposed it was agreed I would pay £1400 month from Oct til May when my son will be 18 and maintenance stops, then £450 per month. However the IVA took a long time to be accepted and payments did not begin until December. Will monthly payments still be reduced in May when my inco...

How can it be that different practitioners make you pay different amounts. Surely it should either be backdated or not?

Hi. I have just started my IVA and payments have been set. i have managed to get a better paid job now. Will I have to pay all my extra income or will my payments remain fixed at the old level. Also, once the amount that has been accepted by my creditors has been set will this remain the figure that...

Will it be possible to get a mortgage. I have just started my IVA and pay £850 a month rent so would be able to get a mortgage for less but would any lender take me on. i earn £45k a year as I have just got a really good job.