Thanks very much [:)]

Hiya,

Can I ask where I would get the 'ICO Default Guidance Note V3 02/08/2007' to add with my letter?

Ps. Excellent letter by the way - thanks mate

Well our F&F was accepted by 100% of our creditors and I'm totally over the moon! It now means that we can have our baby without the worry of debt and not being able to love hanging over us, I'm so happy to be debt free it's unbelievable! I just wanted to say a special thank you to everyone that ans...

Thanks Lesley and Kallis

That's great, thank you very much Michael

Great, thanks Michael. I got my figures badly wrong in the last post, no wonder it looked like a bad offer!

I'm hoping that our offer, along with our circumstances (expecting a baby in July) that they will accept.

Can I ask what happens after if the F&F is accepted?

My IP has set a date for a variation meeting for our F&F for 1st June, which is great news. The lady dealing with it told my husband that it's not actually a meeting, creditors fax her with their decision throughout the 28 day period, is this right? Also, please forgive my baby brain, but I've got m...

Thank you Lesley :) Forgive my baby brain, but I've got my figures wrong earlier. Over the 5 years we were due to pay back £19760.40 (this is after our IP fees) with our F&F offer we will actually be paying back £18137.66 (as we've only got 11 months left). This means that the creditors are only let...

Thanks Melanie, do you mind if I don't say. It's just they are helping us out with the F&F and I am being a bit annoyed with them on here. I don't really want them to see it ;) It does say in our proposal that we will have no other option but to go bankrupt if this is not accepted. Do you think that...

Ps. Do you think I should question them about this tomorrow?

Thanks Melanie and Kallis, our IP have been helpful but also extremely misleading with this proposal and I am actually feeling quite upset with the whole thing. We asked them to put forward a proposal about 2 months ago and they have only just got round to doing that now. I also think it's misleadin...

Thanks Kallis, apparently the lady dealing with it has been ill and then her manager was away so there was nobody to sign it off. It is being submitted tomorrow with a start date for the 28 days being Tuesday x

My husband and I have finally had our F&F submitted by our IP. The final offer to creditors is that we will be paying a combined dividend of 18.31p in the £1. Individually I will be paying back 12.11p in the £1, compared with 17.93p in the £1 and my husband will be paying 6.20p compared to 13.51p as...

Sorry forgot to add that our IP having been delaying things for 3 weeks since we sent off all of our details, so the creditors have not even received their 28 days notice yet.

Basically, my IP have been delaying our F&F for 3 weeks now with one thing and another and it is getting closer and closer to my due date (baby due to be born early July). Do you think if they actually send the proposal to me for this Monday coming that it will have time to go through before the bab...