Hi, could someone please shed some light on the full and final process, as my company are not much use, so im currently here, submitted my full and final paperwork about 6 months ago, lots and lots of waiting and phone calls, telling me i needed a variation telephone call, which was done in the past week, i didn't really see the need i was on the phone for 3 minutes flat, so anyway, i asked what happens next, and they said they need to draught my paperwork (as if 6 months isnt long enough) and then after 7 days they can give me a date for the creditors meeting, as they need 28 working days notice, is this what is supposed to happen? it's just a giant messy cloud in my head at the moment and I can't quite understand it, ive been waiting nearly 8 months since starting the whole process, im nearly gonna have it paid off in a minute before they even do anything, thanks
Meanwhile ... in the real world ...... they are supposed to draft a variation within a couple of weeks of getting any paperwork needed from you, then give creditors a few weeks notice. The whole process should take 2 - 3 months from start to finish. I hope you included mention of reducing the lump sum by any payments made in the interim !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/
ahh got me worried now Foggy, that's the thing, the offer was made from 8 months ago so I've paid just under a grand since then with my payments! they haven't mentioned anything either, feel like im being shunted with this company!