<t>Hi <br/> <br/> Iva started with CF - Feb 2018<br/> Completion certificate received after F&F payment - July 2021<br/> <br/> Certificates sent to 3 credit agencies.<br/> What’s next for me ? <br/> <br/> How can I improve my credit score ?<br/> Can I apply for some credit cards ? <br/> <br/> Do...

So is it okay if I call Lloyds and ask what they want from me ? I will then either email or post a copy of certificate and final reports to Lloyds.

<t>Hi there,<br/> <br/> I have received my completion certificate recently after my F&F payment was accepted.<br/> <br/> I was advised to send the copies of it to 3 credit agencies which I did. I have just received an email from Experian which I have pasted below - <br/> <br/> ‘I'm writing in re...

Yeah I hope so and thank you for the reply.

Lastly,

will my IP conduct a final review before issuing me with the Completion Certificate ??

I assume they won’t as it’s F&F unlike a regular 5 or 6 years payment, and they also did the review when my F&F offer went in.

Thank you very much for both of your replies.

Yeah I will carry on with the closure process very soon, I will keep you updated on it.

Thank you again

<t>Hi my F & F offer of £6650 has been accepted by creditors after the variation meeting. I’m with credit fix. I started my Iva on Feb 2018.<br/> <br/> The offer was approved with following modification. The variation fee must not exceed £300. What does that mean ? <br/> <br/> Do I have to pay e...

I also came through two terms, early settlement and F&F Offer. Which ones are the best in terms of getting accepted.? What’s the difference?
Thank you

Okay thank you, What’s the earliest you have found about them finding their answers/ results from creditors ? Yeah the donor won’t pay until it gets approved. And is it 28 normal days or 28 working days ? Sorry it might have been answered before but I just wanted to be 100% sure. Kind regards, :D

<t>Hi, I’m preparing a F & F offer for my Iva CF. <br/> <br/> How long does Credit fix usually take from the day of submitting all the docs and email to the IP to getting an actual answer from creditors of either getting accepted or rejected ? <br/> <br/> I heard it takes about 4 to 6 weeks. I w...

Haha, thank you I’ll deffo give a call today to IVA, feel more at ease now.

Thank you I’ll let you know here how I get on.
Also,
When they check the evidence of donor’s fund ie, bank statement, do they care how he got the money in his account ?

my donor is my close friend, he was just wondering if they will perform a credit check on their account.

Thank you

Thank you both for your reply, keeping my fingers crossed, hoping I’ll get a positive outcome after all this. Thanks for your advice, very much appreciated.

Last question foggy, you know when you said - They will want to see evidence that the money is available (donors bank statement). When do they want it ? Right away when I ring the Iva (CF) or at last before the donor pays to IP or creditors ?

Thank you very much for the reply foggy, you have been great for all of us here. I forgot to mention my IVA payments is due to remain the same after I and E anupa review. How easy is it to agree a payment break until the offer is being prepared, considered and accepted ? Or shall I use the Second op...