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MrsR
- Posts: 1201
- Joined: Mon Oct 31, 2011 9:30 pm
- Location: United Kingdom
Hi all,
To those who have submitted paperwork for a full and final to Creditfx, did you do this via email or post hard copies via special delivery ?
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!
Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA
Completion Certificate received- 30th April 2015!!
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clairesmiler
- Posts: 30
- Joined: Thu Nov 10, 2011 6:25 pm
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Hi I am in the process of a F&F with creditfix, my creditors meeting is in March. I submitted all the info via email. The process seemed to go smoothly, good luck with yours
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Shining
- Posts: 27019
- Joined: Thu Sep 20, 2007 8:57 am
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good luck with your meeting in March and for yours too MrsR
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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luluj
Forum Expert
- Posts: 11333
- Joined: Sun Dec 09, 2007 6:54 am
- Location: United Kingdom
If you send anything by post I would send it registered/recorded delivery so it has to be signed for
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Look at my blog "All I wanted was a baby"
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MrsR
- Posts: 1201
- Joined: Mon Oct 31, 2011 9:30 pm
- Location: United Kingdom
Thank you for all your replies
Good luck with your meeting in March Clairesmiler!
We shall probably submit ours via email tomorrow to the contact that we have been speaking to regarding our F&F, and get this done tomorrow afternoon.
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!
Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA
Completion Certificate received- 30th April 2015!!
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clairesmiler
- Posts: 30
- Joined: Thu Nov 10, 2011 6:25 pm
- Location:
Thanks for the good luck wishes, I will let you know how it goes.
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mrsbee
- Posts: 84
- Joined: Sat Aug 28, 2010 8:23 am
- Location: United Kingdom
Can I ask has it been a fairly quick process? We are just entering into a proposal for a full and final, our house is being valued on Saturday then our relative will discuss with us what he is prepared to offer based on the fact that we only have 10 months left of our IVA anyway. Good luck with your meeting.
Debt free after a successful f&f

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clairesmiler
- Posts: 30
- Joined: Thu Nov 10, 2011 6:25 pm
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Hi
The process for me had been quick so far. I rang them and said I wanted to offer a F&F I sent an email including the offer, scanned evidence that my friend had the funds to provide the offer and a copy of their passport and a copy of my mortgage statement dated within the last 6 months. I was then promptly given a date of March hope this helps, good luck
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MrsR
- Posts: 1201
- Joined: Mon Oct 31, 2011 9:30 pm
- Location: United Kingdom
Hi All,
We submitted our documents last night and its started to be actioned today. Only hold up so far was a mortgage statement as we were not asked to get this- and now they want to know if we will sign their new terms in ahead of the MVM next month.
Did anyone doing a F&F sign these and those who submitted a F&F, did this speed things up ?
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!
Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA
Completion Certificate received- 30th April 2015!!
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clairesmiler
- Posts: 30
- Joined: Thu Nov 10, 2011 6:25 pm
- Location:
Hi I didn't sign the new terms and the F&F was still quick, I was concerned by not signing it would delay the process but it hasn't
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MrsR
- Posts: 1201
- Joined: Mon Oct 31, 2011 9:30 pm
- Location: United Kingdom
Thanks Clairesmiler.
That's a concern both ourselves and our third party has aswell.
I will email that we will not be signing them.
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!
Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA
Completion Certificate received- 30th April 2015!!
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dand
- Posts: 275
- Joined: Mon Oct 27, 2008 8:49 pm
- Location: United Kingdom
I did exactly the same. No Ts and Cs change and got variation date within 1 hour of emailing paperwork across. Very quick.
Would be interesting to know if we all have the same date in march!
F&F Accepted on 12th March 2015!
Completion Cert arrived 26th March 2015!
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MrsR
- Posts: 1201
- Joined: Mon Oct 31, 2011 9:30 pm
- Location: United Kingdom
Post
by
MrsR » Wed Feb 18, 2015 10:56 pm
That would be interesting !
Will have to let you know we get our date through

Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!
Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA
Completion Certificate received- 30th April 2015!!