The SFS Is a standardised budgeting tool used across UK debt-advice agencies and by many creditors.

In October 2024, the FCA Issued a Final Notice to VWFS (Volkswagen Financial Services UK) for significant failures In how It treated customers In financial difficulty

On the 'Freeze Interest' notice it say "I trust you will acknowledge this request in writing within 7 days". So I have not got a reply, do I still continue and send income and expenditure information. I am dealing with the Sherif's office in Scotland. Also I would love some comments on just how creative one can be with the income and expenditure statement. Thank you in advance.