Proposed Voluntary Arrangement of Erika Anderton Current Address: 10 RADNOR CLOSE, RADNOR CLOSE, ACCRINGTON, OSWALDTWISTLE, BB5 4NT, United Kingdom

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1 Our ref: IVA November 2016 TO ALL CREDITORS Creditfix Limited 4 West Regent Street Glasgow G2 1RW Customer Service: customerservice@creditfixme.co.uk T: F: Dear Sirs, Proposed Voluntary Arrangement of Erika Anderton Current Address: 10 RADNOR CLOSE, RADNOR CLOSE, ACCRINGTON, OSWALDTWISTLE, BB5 4NT, United Kingdom I am writing to inform you that at the Meetings of Creditors of the above debtors held on 28 October 2016 the proposals for their Voluntary Arrangements were accepted by the creditors and I was duly appointed Supervisor. Enclosed with this letter is a copy of the Chairman s reports on the Meetings of Creditors that were filed with the Court in accordance with Section 259 of the Insolvency Act Please take this letter as formal NOTICE TO SUBMIT CLAIMS in accordance with clause 30 of the Standard Terms & Conditions of the Arrangement. I enclose Particulars of Claim forms for your completion and return to me if you have not already done so. Note that any Creditor who wishes to participate in the Arrangements must submit their claim(s) in writing to me on the enclosed form or one which is substantially similar. Please refer to our website at to access the Creditor s guide to fees. If you have any further queries, please contact Customer Service on or by at customerservice@creditfixme.co.uk to discuss the matter. Yours faithfully Thomas Fox MIPA Supervisor Creditfix Limited: Registered in Dublin, Republic of Ireland, Registered Number , Registered Address: Avonlea, Demesne, Lucan, Co Dublin, Republic of Ireland David Rankin, Susan M Wriglesworth, Thomas Fox and Samantha Warburton are Authorised to Act as Insolvency Practitioners, in the UK, by the Insolvency Practitioners Association

2 PROOF OF DEBT - GENERAL FORM Form 4.25 In the matter of Erika Anderton Under Voluntary Arrangement and in the matter of The Insolvency Act 1986 Relevant Date 28 October Name of Creditor & relevant reference/account number 2. Address of Creditor 3. Total amount of claim, including any Value Added Tax and outstanding uncapitalised interest as at the date of approval of the voluntary arrangement 3a Amount of Bank charges included 3b Amount of PPI in claim 3c Amount of Interest in Claim 4. Details of any document by reference to which the debt can be substantiated. [Note the supervisor may call for any document or evidence to substantiate the claim at his discretion] 5. If total amount above includes outstanding uncapitalised interest please state amount 6. Give details of whether the whole or any part of the debt falls within any (and if so which) of the categories of preferential debts under section 386 of, and schedule 6 to, the Insolvency Act 1986 (as read with schedule 3 to the Social Security Pensions Act 1975) Category Amount(s) claimed as preferential 7. Particulars of how and when debt incurred. 8. Particulars of any security held, the value of the security, and the date it was given 9. Signature of creditor or person authorised to act on his behalf Name in BLOCK LETTERS Position with or relation to creditor BACS DETAILS FOR DIVIDEND PAYMENTS A/c No: Sort Code: Reference: IVA56371

3 IN THE MATTER OF THE INSOLVENCY ACT 1986 AND IN THE MATTER OF ERIKA ANDERTON CHAIRMAN'S REPORT OF MEETING OF CREDITORS REGARDING THE PROPOSED VOLUNTARY ARRANGEMENT I, Michelle Bennett of Creditfix Limited, the duly authorised Chairman of the meeting of creditors held on 28 October 2016 at 4 West Regent Street, Glasgow, G2 1RW, United Kingdom under section 257 of the Insolvency Act 1986 hereby report as follows : i That the following resolution was duly passed: RESOLUTION "That the proposed Voluntary Arrangement of Erika Anderton under Part VIII of the Insolvency Act 1986, set out in her proposal dated 28 October 2016, as modified by this meeting, be and is hereby approved." ii iii I attach a schedule of creditors with their respective values who were present or represented at the meeting, stating how they voted. The proposal for a Voluntary Arrangement was approved with the following modifications: 1 The supervisor fee will be equivalent to 15% of all further realisations and drawn proportionally as funds are received. 2 No Category 2 disbursements are to be charged by the Nominee or Supervisor 3 Variation fees shall not be considered or agreed as part of the arrangement until a variation meeting is called by the IP. Consideration of the fee required to vary the IVA will be made at the creditor meeting based upon the debtor circumstances and work undertaken or required by the IP. 4 The Nominee Fee must not exceed Once this payment has been paid to the nominee the first dividend shall be paid quarterly as a minimum thereafter. 5 The Debtor must seek full time employment, which is expected to be 35 hours per week, unless the Debtor can provide evidence to the Supervisor that this will be financially detrimental. Any additional surplus income must be introduced to the Arrangement for the benefit of the Creditors. Failure to comply with this will constitute a breach of the Arrangement 6 6. A copy of the chairman s report must be sent to dlc via at OPS.Support@dlcuk.com within 4 working days of the creditors meeting being held. This report should outline any changes to the dividend and the Nominee and Supervisor fees. 7 The customer must immediately notify the Supervisor of any changes of address. If the customer fails to do this and the Supervisor is unable to locate the customer, a Certificate of Termination must be issued and any funds available within the arrangement distributed to creditors.

4 8 Not less than 28 days notice must be given to creditors should a variation meeting be convened. 9 Should the customer be required to obtain a mortgage as part of the IVA proposal the Supervisor must secure the creditors interest in the property and any other property in which the customer may have beneficial interest. To facilitate this, the customer must provide the Supervisor with a signed RX1 form within 3 months of the approval of the IVA 10 Should the customer be required to obtain a mortgage and is unsuccessful in doing so, a meeting of creditors should be convened. At this meeting, creditors should vote to decide whether this should be considered as failing to comply with the terms of the arrangement 11 The iva is to extended by 12 months 12 The IVA is to achieve a minimum dividend of 24.95p in iv The following creditors were represented at the meeting: Name of Creditor Representative Value of Vote Accept/ Reject DLC Chairman 7, Accept Lloyds TSB Bank plc (IVAs) Chairman Accept Vanquis Bank Chairman 2, Accept Total Accepted 11, Cabot Financial (Europe) Ltd IVA Chairman Reject Tesco Personal Finance Chairman 2, Reject Total Rejected 2, v Asset realisations in the arrangement are payable from: Asset Name Estimated to Realise 72 monthly contributions of ,200 Payment Protection refund 1 Total Assets 7,201 vi The Nominee fee is estimated at 1,000, Supervisor fee at 915, disbursements including Bordereau and Filing Fee at 1,179. vii Creditors claims are currently estimated at 18,531. viii It is therefore anticipated that creditors will receive an estimated dividend of pence in the. ix In the opinion of Thomas Fox, the Supervisor, the Voluntary Arrangement constitutes "main proceedings" under the EC Regulation on Insolvency Proceedings.

5 Michelle Bennett Chairman of the Meeting Dated: 28 October 2016

6 IVA56371 Unsecured Creditor Claims Erika Anderton Name of Address (With Claimant Postcode) Lloyds TSB The Insolvency Bank plc Team, 2nd (IVAs) Floor, 3 City Park, The Droveway, Hove, BN3 7AU Hyndburn Scaitcliffe Borough House, Ormerod Council Street, Accrington, BB5 0PF United Utilities Debt Recovery Department, PO Box 457, Warrington, WA55 1DR Vanquis Bank PO Box 399, Chatham, Kent, ME4 4WQ Tesco Personal Finance Blackburn with Darwen Council Cabot Financial (Europe) Ltd IVA Akinika Debt Recovery Ltd Moorcroft Debt Recovery Lowell Financial DLC PO Box , George House (4th Floor), 36 North Hanover Street, Glasgow, G1 2YG Revenues Section, ADMAIL 3860, Blackburn, BB1 1WB Cabot Financial (Europe) Ltd, 1 Kings Hill Avenue, West Malling, Kent, ME19 4UA 33/34 Winckley Square, Preston, PR1 3EL PO Box 17, Stockport, Cheshire, SK1 4AJ PO Box 1411, Northampton, NN2 1BQ Buckingham Road, Brackley, NN13 7DN, United Kingdom Ref / Account No. Meeting Claim Submitted Claim Admitted Amount First / First First First First First First First First First First , , , , , , , Total: 18, , , , Page 6 of 7

7 IVA56371 First Total: 18, Second Total: 0.00 Joint Total: 0.00 Page 7 of 7