I chased a number of times by phone and email and kept getting told that the reason for taking so long was because of the 'current economic climate' which meant they had been inundated with new applications. I pretty poor excuse in my opinion - it doesn't take a genius to see that my F&F offer was g...

Hi John I make my F&F offer about a month before my annual review was due so I sent them my previous 3 month's payslips anyway, in the event that my F&F was not pursued. I did not send them bank statements though and they have never asked for them - they actually wrote in my 'variation' to creditors...

UPDATE!! F&F ACCEPTED!! Hello, me again! I wanted to thank you all for your valuable advice and support and to let you know that I received a call from DFD last week to say my F&F offer of £13k has been accepted. To date, I have paid £2800 into the 'pot' and with the F&F offer added to that I will h...

Thanks guys I'm with Debt Free Direct now (previously Clear Start) I sent my F&F offer to them in October, one month before my first review was due. Within 7 days, I received a request to send proof of the money (a letter from my family who are offering me the loan) and 3 months of payslips - I sent...

Hi Poppy

I have offered a F&F settlement but heard nothing back yet regarding a meeting date etc. How long did you have to wait, after sending payslips and evidence of the F&F money etc, before you heard that the offer was accepted?

Thanks!

Hi I recently had an incorrect payslip/payment from work. They over paid me by £300 last month so this month I am £300 short of my normal wage! It was actually a blessing in disguise as my car tax is due and I haven't yet stored enough savings to cover the full cost so used the overpayment in wages ...

Hi, me again UPDATE: I've sent a letter to my IP with the F&F offer of £15k... but my mum has had trouble releasing all the money from her property and can only get me £5k. I can arrange a loan from another family memner for £8k, giving me a total F&F offer of £13k - is it too late to amend the offe...

Hi Andy My IVA was originally set up with Clear Start but has since been passed over to Debt Free Direct (I'm not sure why?!) I was earning £17k when approved for the IVA but this increased when I got a new job - I advised my IP that I was actively seeking better paid employment so perhaps they acce...

OK thanks. The literature with my IVA agreement states "The IVA stays on your credit history for one year after your IVA ends"... so i take it the F&F settlement would not count as the 'end' of my IVA? This is a little misleading :( The only reaon I am concerned is that I may want a property (mortga...

thanks for all the info - it's a relief to hear there is a possibility I might be able to end it early. It's silly but I'd be far less stressed out knowing that I owe the money to my mum than to the creditors, even though the debt will be a similar amount. Incidentally, if the F&F is accepted, will ...

Hi I have been on my IVA for 11 months. Total debts were £20k to start with. IVA was approved with monthly payments of £154 a month (total to be paid back on this schedule= £9700) but I got a new job right after the IVA so payments were increased to £172 a month. I'm completely stressed out by my IV...