Heretoday,I added you the other day on Frugal friends because i wanted to connect with you of this forum as i believe we have something in common.

Thanks Niobe,sorted

Mumsy17,Thanks for the add on frugal friends,I have added you but when i go into your profile i dont see any way of contacting you outside of this forum.I.e theres no email address in your profile.What am i missing

Niobe,thanks for the advice but i cannot find the frugal friends link on the right hand side

Mumsy17,I would like to have contact with you outside of this forum but not sure how i can give you any details without breaking forum rules.

Melanie,To answer your question.56p

carole 2662,In response to your post,i totally agree that ppi should go to my IVA,but the point is,i have finished paying my IVA & have now been told that i will have to wait perhaps up to another 12 months to get my completion certificate.My point is,why was this ppi not done 6 months ago so that i...

Sponge,Thanks for the advice but my IP has stated that they will fail my IVA if i dont follow this procedure,even though i have finished it & paid the 72 months & had my final review done & dusted.

Foggy,In response to your comment,i completely agree with your point,im happy enough with the PPI saga but as you mention,I am one of those people that have now finished my 72 months & will get caught up in this.I have recently paid my last payment & what should have been a celebration has now turne...

I emailed my IP with the questions below & asking about the statement below which is in our proposal This is in our proposal:Duration Of Arrangement. The duration of the proposed voluntary arrangement is 60 months unless an early conclusion is agreed by the creditors. The duration may be extended at...

could you also have a look at the post i started titled Can i ask for....its about the same thing but slightly different,but might help you slightly

Thanks Foggy,Hopefully an expert will pick this up soon & give some advice,Many Thanks

Thanks Foggy,Are you saying i should contact my ip & state they cannot extend for upto 12 months for ppi purposes due to my proposal stating: the duration of the proposed voluntary arrangement is 60 mths unless an early conclusion is agreed by creditors.The duration may be extended at the sole discr...

Foggy,im not sure what you mean by ignore the first part of my last post.Yes we were originally in for 60 months,but because we could not release equity the creditors agreed to 12 moths extension in lieu of equity.We have now finished paying for 72 months.So am i reading it right that creditors must...

GilliB,yes we have just completed 72 mths,the additional 12 months was agreed by creditors as 12 mths lieu of equity as obviously we could not remortgage after 60 mths.