Well done! Fab news, so pleased!

I wonder why credit fix say 28 days as I had to wait 28 days three times with them when a new variation meeting was set.

The offer of a full and final settlement for accepted yesterday and the plan is/was that my mum will transfer the funds over. My mum is elderly and is getting in such a panic over transferring money, online banking etc. I hate seeing her worried and she’s not slept last night because she’s anxious a...

Thank you all.

What’s the process with credit fix once the payment has gone in? Is there anything that I need to provide before the completion certificate goes through?

My offer got accepted today as a full and final. I owed £27000 in total and was offered the full amount I would of paid over the 5 years to end it early. I’ve been trying to sort this since April and due to paperwork it kept being adjourned. I have three children and my biggest regret and shame is g...

Creditors can vote at any time leading up to, and even during, the meeting so the results could be known beforehand depending on the level of creditors that have voted. 75% in value who vote, have to vote in favour for a variation to be approved. The insolvency Exchange (I believe) hold the majorit...

Votes can be sent in by creditors in advance of the day but result will not be known until the deadline. 75% of the creditors voting must be in favour of your f&f offer for it to be accepted. Good luck and be sure to let us know on Friday TIX is spokesperson for majority of my creditors so I’m hopi...

My variation meeting is at 12pm Friday. Do votes ever come in before the day? For example, could creditors send across votes tomorrow or Thursday before the meeting takes place?

F&F variation meeting Friday with Credit Fix. Very nervous and anticipating it being rejected so I am thinking agead to the I&E review. Should the maintenance I receive from my children’s father be included in my income? I assumed it should be but someone mentioned today it shouldn’t be as it’s mone...

kallis3 wrote:

Normally votes are in before the meeting and I was always under the impression that they should be done by the time of the meeting and, if not, if it makes no difference to the outcome, creditors who don't vote, are bound anyway.

Is this for variation meetings for F&F?

My full and final variation meeting is next Friday. I’m not thinking positively so I don’t feel devestated when/if it’s rejected. Anyway, I normally receive a letter telling me it’s at 12 etc (already had 5 due to paperwork problems). Then I receive an answer when I phone about 2. They have told me ...

I’m writing on here for no other reason than I’m still worried sick about my F&F with CF. I’m wishing away every day. I just want to dream that I can move forward in my life with my children without this IVA hanging over us. No one close to me seems to understand what it means to have this approved.

I’m win CF and am waiting for my variation meeting for a F&F. I believe I was one of the first to be hit with this issue back in end or April. CF have now said they have sorted the issue and I have been given a new date. So dependent on when your initial meeting was adjourned, you may hear from them...

Thank you, I need a bit of hope right now

No i rent