I did have to chase mine up, they said it was because creditors hadn’t replied to them, hour later the certificate as such was in my inbox dated 3 day’s previous! I have found CF lack in communication with their customers, I had to chase my full and final offer outcome also! Hope it all sorts out fo...

Just to let you know I’ve received my completion certificate today! What a fab early Christmas present!!!

Merry Christmas to you all and a happy new year. Hope one day this thread helps someone with their future! Just like previous posts have done for me! x

Your right foggy! Would be lovely Christmas present! 😊👍🏼 I understand the credit file bit as unfortunately that will stay for another 4 years 😔 so will be renting for a few years I imagine as mortgages won’t be something I’m going to be able to obtain! but I did some admin and sent letters to credit...

Thank you! It still hasn’t sunk in! 😊Feel like I’m starting fresh after years of depression and heartache!! Just a question? I’ve paid the money across to CF who have emailed today to confirm it has been received. They have noted the closure/completion process may take between 3 to 6 months! From an...

I called them.. ITS BEEN ACCEPTED!!! I can literally feel the weight lift from my shoulders! I’ve had tears and so many smiles. I’ve felt so held back in life and unable to do so many things, now I feel like It’s my time for a fresh start!! Thank you for your kind messages and advice! I wouldn’t hav...

Arghhh.. Haven’t heard anything yet! I am so nervous! my meeting was at 10am.. CF have always been shocking with communication so I’m not surprised I haven’t heard from them yet! But should I give them a call a bit later on if I haven’t heard back? As surely they know the outcome by now!!

Arghh.. it’s been a long 27 days! Now it’s Less than 24 hours until my meeting! I am so nervous and hoping that my full and final offer is accepted!! Does anyone know if you find out on the day if they have accepted?

Wow, that was a quick response. Just got an email from creditfix saying my meeting has been set for 31/10/19! Has put my mind at ease now that I know the date.. now just to keep everything crossed! Thank you! Will let you know the outcome!

So a little update. My annual review came back as staying the same! So I rang the review team to talk it over how my circumstances had changed and due to change further. Which was a great help as they have now reduced my payments to my original amount of £114 a month. I called up yesterday in regard...

Thank you for your advice. Things have had a little change since I last posted so just want some advice. My annual review came in before I started looking into carrying out a full and final offer. My income on the I&E form was incorrect and hasn’t been changed since my last review. I have flagged th...

<t>Hi,<br/> <br/> I have completed 2 years of my IVA arrangement, I pay £144 a month and have 4 years left, my grandparents have offered to pay my IVA off with a full and final payment, as I need to move out of my parents house due to my mum falling ill and needing to move house to another. This wou...