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Please speak to either myself or my staff working on your case directly about any concerns with your case. My office continues to operate even though I occasionally take holiday!
I would never put you into a proposal you could not afford, but the figures contained within the proposal are taken directly from information you have provided to me and as discussed at our recent face to face meeting.
The sixth year (which was discussed with you as a possibility during our meeting, dependent upon my recieving a current independent property valuation) clearly serves to address the equity in your property - you will recall your local agent produced a higher valuation of £143k against the old valuation used by your previous IP.
I will speak to you about this directly on Monday, but felt I needed to answer your points publicly, given the suggestion that I have sent you proposals which do not accord with your specific circumstances.
As you already have had one IVA proposal rejected, you have to make an improved offer if you insist on trying this procedure, and I am sure that we will get to a position that suits you shortly.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk