Ours (with DFD)also had the 4th year clause, i asked for details about it. I was told i would have to try and remortgage with my existing mortgage company and one other high street mortgage company. If i couldn't get a remortgage then the IVA would continue for the 5th year only. and that would be t...

I think your 23p per £ should be ok, mine was only 16p per £ [:0]

Well done, just done the same yesterday myself.... still grinning.[:D]

Thanks,

I've now changed the words under my Icon to "IVA Completed". That looks and sounds soooooooooooooooooooooo good. [8D]

I'm very happy to have gone with DFD, but then i have just had my F&F completed.[:D]

Well, today was the day and.... My offer of my PP Insurace refund as a Full and Final was accepted. [:D] Thanks to everyone on here who helped with my questions and thanks to DFD and my IP for putting the offer forward instead of taking the PPI money as a windfall. Things are looking up. [8D]

Well done [:D]

karenanne23 wrote:

Will do
should get the call at around 4 o clock.
Thanks for coming bak to me.

How did you get on?

Max was the only one who bothered to vote on our IVA. (A yes by the way).

Just got home from work and found a letter from Alliance & Leicester on the mat. "Notice of Sums in Arrears" The letter waffles on about how much i'm behind with my payments and to contact them ASAP to discuss the status of the account. I guess they are just trying to get me to pay them something......

I got turned down by Nationwide as well. Got in with the Halifax though.

A good question......not sure the creditors would be too chuffed though.

Welcome to the forum by the way.[:D]

creditcrunched wrote:

yes they can all vote for the f+f

Umm, if they couldn't be arsed to vote on the original proposal what's the chances of them bothering now.

Hi,

Yeah only the one vote and it was a yes.

I have a F&F offer on the table now and was just wondering if this one and only creditor does vote and says no, is that it rejected or are non votes classed as accepting the offer or not included either way?

Can previously non voters now vote or not?

...when you have a proposal or whatever where the creditors need to vote to accept (or not) what happens with non voting creditors. Are non votes classed as accepting, rejecting or not counted where you need 75% to say yes? Just wondering as i've had a read through my paperwork and only one person v...

Can you send me details of the loophole on speeding fines please Emma! I have been yet again caught on camera - only two months after getting rid of the six points I already had! Not too sure on details of said loophole, but was told once (by a local plod) that if i was caught speeding to ask for e...