Posted: Fri Dec 13, 2013 6:17 am
We made our full and final offer on 16th September to Freeman Jones. Sent in all bank statements, letters, proof of funds, house valuation etc.
Our offer was for £8500 and the money very kindly gifted by my parents (after 12 months of not wanting to tell them about the IVA as I was worried they would be disappointed in me!).
After hearing nothing for a month, I contacted FJ to be told that the person dealing with our offer had left shortly after the offer was made and no one had picked up our case! After a little rant on here and several phone calls back and forth, FJ pulled out all the stops to get things moving again. The process took a little longer still as they worked out our I&E wrong and all had to be done again!
Eventually, we got a date over the phone for our meeting. The week before, I phoned FJ to make sure it was all still going ahead, to be told that the date I had been given over the phone was wrong and it would be another week!
The day of the meeting and we got a phone call at 12:00 to say the offer had been rejected but we could go back to them with a higher offer. After frantic phone calls to my parents (and a bit of begging!) the offer was increased to £9500. This was accepted in principle that day bit the meeting adjourned until the following week for us to provide amended offer letter and proof of funds, which we did within a couple of days.
Next meeting...... Waited all day to find out if it had all been accepted. After phoning FJ at 5pm, I was told that the creditors had not formally agreed yet and the meeting was adjourned for a further week!! By this time, I was going grey!!
Next meeting...... (Monday this week), phone call from FJ to inform us that it had all been agreed and signed - phew!!!
Settlement paid by my parents last night and now hoping Freeman Jones can redeem themselves by getting our completion certificate issued ASAP!!
We have almost reached the end and I cannot express just how relieved I am.
Lessons learnt along the way - the biggest one being how to budget and live to our means!!
Here is to a very merry Christmas.
Jojo cox.
Xxx
Our offer was for £8500 and the money very kindly gifted by my parents (after 12 months of not wanting to tell them about the IVA as I was worried they would be disappointed in me!).
After hearing nothing for a month, I contacted FJ to be told that the person dealing with our offer had left shortly after the offer was made and no one had picked up our case! After a little rant on here and several phone calls back and forth, FJ pulled out all the stops to get things moving again. The process took a little longer still as they worked out our I&E wrong and all had to be done again!
Eventually, we got a date over the phone for our meeting. The week before, I phoned FJ to make sure it was all still going ahead, to be told that the date I had been given over the phone was wrong and it would be another week!
The day of the meeting and we got a phone call at 12:00 to say the offer had been rejected but we could go back to them with a higher offer. After frantic phone calls to my parents (and a bit of begging!) the offer was increased to £9500. This was accepted in principle that day bit the meeting adjourned until the following week for us to provide amended offer letter and proof of funds, which we did within a couple of days.
Next meeting...... Waited all day to find out if it had all been accepted. After phoning FJ at 5pm, I was told that the creditors had not formally agreed yet and the meeting was adjourned for a further week!! By this time, I was going grey!!
Next meeting...... (Monday this week), phone call from FJ to inform us that it had all been agreed and signed - phew!!!
Settlement paid by my parents last night and now hoping Freeman Jones can redeem themselves by getting our completion certificate issued ASAP!!
We have almost reached the end and I cannot express just how relieved I am.
Lessons learnt along the way - the biggest one being how to budget and live to our means!!
Here is to a very merry Christmas.
Jojo cox.
Xxx