I expect CF are thinking they have hit the lottery with the PJG people. Legwork all done, files in order and just the opportunity to claim a lot of fees
Finally received my T&C variation letter from CF didn't like the paragraph implying if I want my IVA to conclude in a timely manner sign!!
Filed away we are not agreeing to them.
Inter-locking IVA approved 25th Feb 2013 - F&F offer Accepted 06th July 2017 - Completion Certificate received 20th July 2017
I have just replied to another thread but ingested more info now!
I don't think I have any PPI to claim so that is in no way an advantage, and no joint debts with someone not in an IVA so no disadvantage there.
My second annual review was submitted prior to the acquisition and haven't had any feedback on what were a few minor amendments to the income and expenditure.. Just hope the IVA is still progressing and payments not being held in a random account somewhere?
If not signing though are they likely to make things difficult? Ask for more and more info - receipts, increased bank statements, scrutinising spend etc? I don't have a house or anything so they cannot go after anything as such but it does worry me that by not agreeing to their terms they will get a bit funny.
However I guess they also reply on people just signing the terms and popping it in the post.
I know when the IVA was drawn up by PJG they had to put an estimate in for the negative equity on the house which got repossessed as neither me or my ex wife were in a position to take it on solely.
I know PJG did say that when it was sold at auction it came in less than they had budgeted for so not sure if that 10/15% rule could become more of an issue for me? I just don't have any figures to look at.
