Cheers buddy

Cheers

Hi all Today is a good day! My F&F was accepted today! My main creditor had voted in favour and one other. I'm so happy and relieved! Thanks to this forum I had the information to put forward a variation so thank you everyone for your help! And to Freeman Jones they have been very helpful and a grea...

Thanks Dan. Did you have to keep making your payments during the 8 weeks? I've been on a payment holiday since FJ declared I could no longer afford my IVA, but that's over now and I'm due to make my next payment in 4 weeks. Yeah my F&F meeting is on friday so I'm pretty much still going. If they do...

Firstly once you've had an informal chat with FJ about figures etc Next step would be to write a formal letter from yourself stating why you would like to settle early and the reasons why. I used a template from google for mine and put a lot of time into it all. Then your third party donor needs to ...

If you have the 50/50 clause in your iva then they would more than likely take half of your pay rise from you of £75

Starting point of how much to offer would be remaining months left X by monthly contributions if you offer nearer to this amount it may have a chance

Regardless of any pay rise it's always best to inform your IP. If you leave it until your review it can be seen as extra income if it's over your threshold and may be additional income owed to the iva. If you have checked your I&E and nothing has increased in costs I think you should tell them about...

No if it isnt included as a creditor and has been included on your I&E. I have car on finance never been an issue.

Fri Aug 09, 2019 2:36 pmDan2991 wrote:

10th august 10am is the day

30th I mean

10th august 10am is the day

Hi

Things won't change until your IVA has reached the 6th year from the date it started. If you made an F&F I wouldn't worry to much about it and do you have completion certificate?

My shop direct creditor moved to tti-SPC I had emailed them last year to correct the date on my credit files but it still hasn't been done

They should not be asking for personal banking information from you not even the bank itself does this. They would be breaking the GDPR law which could result in them being fined.

Thank you

Although I've noticed the IP fees are slightly more from 4.5k to just over 5k but think this might be the £400 variation cost