Thanks Guys. I have no intention of responding. Was cynical about credit companies luring us in again. Learning to budget means I don't see the need for credit right now and can manage on what I have. Thanks to the f+f that's come earlier then anticipated. Not sure it's sunk in yet as I keep having ...

Is it a coincidence that this week I got my completion certificate (Hurrah!) and Vanquis send me a "you've been pre-selected" application form? Have they picked up my details from somewhere? I completed via a f+f so got another 2 years before it drops off my file.

Indeed - well done Nora! .

Thanks guys! Kind words are appreciated. There are good people on this site. Good luck to you too.

Thanks, it's fantastic to think I can put it all behind me. It's also a huge lesson learned and I'll never fall into that trap again. I'm lucky enough to earn a decent living now and have learned not stick my head in the sand.

Ha - wonderful indeed! CCCSVA.

Guys - I can't believe I am posting this but my offer was accepted today!!!! 100% vote too. I am gobsmacked but over the moon. Just letting it sink in now....

Many thanks for your replies. My IP has been good and I did spend the money knowing what my entitlement would be so they've been fine. I guess it just seems too good to be true that it could over soon. I hope to remain realistic so I'm not too disappointed if it's not accepted.

Hi-thanks for the reply. I had more to say but wasn't familiar with the process and cut myself off! Anyway this is what I meant to post: I hoping someone can give me some thoughts on my situation as I am struggling to get my head around it. I had an annual bonus paid to me by my employer and then a ...

Why would my full and final settlement offer be accepted?

Thanks for the replies. Hoping to hear in the next month so will contact my supervisor when the time comes.

Hi. My IVA states I can earn 10% over my normal monthly take home pay in bonus. I am due to find out if I will be paid an annual bonus and, because it is paid in a single payment, concerned this will be seen as a monthly figure rather than earned over the whole year. Please can anyone advise?

Thanks Guys! It's so nice to be able to say (write) it out loud!!!

Hi. This is the first time I have posted but having found the forum such a help recently I felt I should share my good news. I didn't dare discuss it before but yesterday I got the call to say it was approved. Waiting for the formal report but 8 out of 10 voted yes with pretty standard modifications...