Hi All I am in my 6th year due to equity, i have 9 payments left and i previously asked CF if anyone review was done towards the end, they said no, but i have read that others have had one near the end. Can anyone confirm whether this is the case? I also asked whether or not if i was ruthless with m...

Thanks Foggy

So you do think i need to stand by the calculation in the proposal? If they still disagree, do you know what the best form of action would be?

Hi All Does anyone have experience of CF and equity release? CF have done their calculation and say i have more then £5k equity. If i use their valuation figure and mortgage redemption figure and base it on the original calculation in my agreement i have less than £5k. I have just sent them all of t...

Hi All I have just passed my month 54, and waiting for CF to be in contact regarding my equity valuation, i have contacted them once and was told someone would be in contact. I was just wondering if anyone has any experience of offering a f&f instead of taking the additional 12 months? My property w...

Hi Foggy Yes I am, although I am not sure I will be but I am not going to just roll over and accept what they say as they are been off with their assumptions and calculations the whole time. I mean it would be bloody lovely to have the next 12 months of no payments, saving that and being able to the...

Hi All I am due to hit month 54 next month. About 4 months ago creditfix called me and said they had done a valuation and that i needed to extend my payments for a year, I am shared ownership so the other options aren't open to me. I asked them to send me evidence of the valuations so I could also g...

Hi all

Anyone had the email about a credit fix app?

Anyone done it? Is it good? Useful? Non evasive?

Phew, that was my thinking so glad it's not just me. I'm excited to enter the 5th year.

Dont worry this lockdown is taking its toll on so many people. I too am alone working away in my kitchen and it makes your mind wonder some.

Thanks.

I find that so wrong that they may automatically just apply the 12 month extension.

I agree that I probably wont be able to remortgage but if theres no equity then it should stop there rather than just applying the 12 month. I'll have to see what March brings.

Hi foggy.

Thanks, what do they normally asked for with valuation?

I'm shared ownership so I know it's going to ge a tricky one, and they may try to pull a fast one so I want to be prepared.

They will, in the normal course of closedown, go over the last 6 years to make sure that all extra income has been accounted for and that no payments have been missed .... if that is all in order then they will issue the completion certificate in due course --- this process can take a few months wi...

Hi all

I'm just coming up to the start of the 5th year. I'm just waiting on my review.

Could anyone shed some light on what happens within this year? Especially with regards to when they do equity release stuff?

Hi all

Just a quick one. I've spent the last 4 years buying second hand phones and they just keep breaking. I spend more money on them than if I had a contract. Looking at £39pm which is within my allowance but I can't seem to get accepted for a contract. Any advice?

Hi all Before I checkout. Does anyone know whether I would be able to take out a sky package? They have some good black Friday deals which are cheaper than my bt but I've been with bt since before my IVA. I know when I went to get a new EE phone they didn't except me so I'm assuming it'll be the sam...

Hi foggy Thank you that is so useful to know. Yes they will be getting over £100 a month more than my original agreement as my salary has increased over £10k. So they are still winning. When I spoke to them they made me feel like rubbish in the terminology they were using. They have ruined my weeken...