Thanks Foggy, I've notice one other creditor has set their default 2 months after the date of the IVA so I'll use the template for that also, much appreciated.

Thanks Foggy, what about the arrears versus default on a joint loan?

So I've submitted a full & final offer of 3400, of course CF have not acknowledged it (par for the course!) but we are only 8 days from sending the email... I'll nudge them when it hits 14 days. I have a couple of questions; in preparation of a hopefully a successful outcome... I've been on ClearSco...

So, I have just been through the re-mortgage / secured loan conundrum and as of December this year my IVA goes into it's final extended 12 months as neither of those are available to me. My question is that my mum has suggested she could give me a lump sum to pay a F&F. With the rising cost of livin...

Kallis and Luluj, I'm not sure about anyone else with CFX but I have been told that I'm not allowed to contact my IP directly. I also do not have any knowledge of a case worker. Like Foggy has said many times, CFX are a law unto themselves. All I can advise is to pester CFX - phone calls, email and ...

Hi Foggy Thanks for the reply. So Select are fair? I am suspicious of any company that CF use. I appreciate that I am liable for the unsecured joint loan (trust me if I could pay it all back I would), what worries me is that they’re saying that even after completion they will prevent me from a remor...

I am almost at the end of year 5 of a 6 year IVA - I know it's too soon to worry about the re-mortgage / secured loan requirement needed at month , but it plays on my mind constantly. I don't think I would qualify for either but having not had the best experience with Credit Fix, I do worry what the...

Ironically I received this in my emails today Foggy; Castlight - A part of Experian CASTLIGHT LIMITED - TRANSFER OF DATA CONTROLLER TO EXPERIAN LIMITED We are writing to you as you have previously used our service (the 'Castlight Affordability Passport') to let you know about some changes to it. Our...

Thanks Foggy, I know what you mean, CF are totally unpredictable. I think I will let things lie for now and deal with it at the time. Let's hope, for a change, they are reasonable. I will keep the partner as a lodger (if it happens), you're right, my private life is not CFs business as much as they ...

Sorry for the long post; I am now in month 49 of a 72 month IVA (NRAM debt and they insisted on the extra year) As per the Chairman's Report on approval of the IVA I have to try to remortgage at month 66 (a little way to go yet, but I have some concerns). Firstly, I am no longer married and had a ho...

<t>Ok, Creditfix review once again - very little has changed from last year but apparently I have £64 disposable income - if only! <br/> I have requested the expenditure they have worked this out from cause it’s certainly not what I submitted! <br/> <br/> Secondly, can someone please translate the f...

I'm hoping someone can help me with this one. A little back story; I went into an IVA due to the breakdown of my marriage and the ex leaving everything for me to pay, including a joint unsecured loan that was linked to the mortgage. At the time we owned the house 50/50. This debt is with NRAM and it...

I received mine about 3 months after my yearly review.

Done Foggy - lets hope something comes of this.

Good to know - really please about your result