Definitely speak to a few , I was quoted three possible payments, the lowest being 166 the highest being 375 . It was just me and three children and a helpline said what they'd put forward as expenses was way higher than I was spending but I was cutting back ridiculously on heating , food , clothing...

I cannot thank the people on this forum enough. I put forward my full and final offer in April , 2nd May had variation meeting and today received my completion certificate. I was with creditfix and for me they were brilliant, a couple of delays at the beginning but they got me the lowest monthly pay...

I have the variation meeting tomorrow but a payment should have been taken yesterday and hasn't come out. Is this the norm when an offer has gone in?

Letter sent so fingers crossed. Also all my debts have been sold on so who voted the original creditors or the new ones ? Does this have any bearing on the vote as to how it's likely to go . Thanks

Also who sends the letter , she doesn't live near me so does she send a letter to confirm its her offer with I'd etc or do I send it from me . Want to get this right. Thanks all

So is it ok just to send the letter, I'd and bank statement for my sister or do I need to speak to someone stating my intention of moving forward with a f+f?

Hi all . My sister was going to offer a f+f a year ago but she was going through a mortgage application and wasn't sure of a position now things are settled she wants to offer again. I pay £166 a month , the total was 9960 and I have 6800 remaining. Would 5k be acceptable to offer ? Also do I have t...

So what happens with my existing car as it is considered an asset albeit just £800. Car has always been mine never on finance and I'd be paying for insurance on the new one ?

Hi my beloved if slightly old fiesta is now dying and dad has offered to buy me a new car . I'm with creditfix and finding it difficult to get a real answer. The car will be nothing special so is my dad allowed to replace my car ?My name will be on log book but cash will leave his account. My dad st...

Same with me had paperwork back very quickly. Took about ten days to receive email and letter stating everything was staying the same .

Hi just in process of doing mine , I sent 6 months statements, payslips , P60 and any benefit awards . I received them all back in two days but still waiting for the outcome .

Just received this form and the majority is filled in with figures provided last year but there's nothing down for school meals or phone and internet . There's a column for me to add these figures but wondering why they're not filled in . Any advice please ?

I was hoping to do and full and final before getting to this point however my sister wasn't able to raise enough to make legitimate offer. So now it's already been a year which has flown to be fair. When looking through my original I +e they didn't take into account aa and house insurance but I need...

Hi I owed them 3000 , they were my 3rd biggest and all the big ones voted yes. They just adjourned it twice still not sure why. Good luck

I can't believe how quickly the time has gone. A year ago to now I was in financial hell. Not sleeping and paying off credit card minimum payments then using the available a few days later. I pay 166 a month and total over 5 years was 9960 . I don't own my home so consider it just the five years. I ...