Hello Diane and welcome to the forum,a full and final offer can be made at anytime during the term of a IVA,even at the outset,any offer that is close to your original dividend normally gets the thumbs up with creditors,making a offer close to the outstanding balance of payments means you will meet ...

Owdo Orchid,all your creditors included in your IVA will Defo drop off after 6 years,assuming your IVA is complete.Check your chairmans report,this will show all your creditors and account numbers covered by your IVA.

Congratulations Why me on your promotions and extra income,its nice to here some good news about coping with a IVA.National Premium Bonds could be worth considering,with the low interest rates these days with saving accounts.

Just want to wish you all the Best Declan,and thanks for helping our members and onlookers,with your Honest and friendly help and support.

Regards & Best Wishes Mr B/S.

Great Blog coffeebreak and enjoy the voucher.

Hello Tony your payments should be based on your disposable income,this will show on your income and expenditure form on your annual review.If your IVA is under the IVA protocol then your IP can reduce your payments by upto 15% at there own discretion without it effecting the term of your IVA.If you...

No improvement there then Mel it was 98% a few years ago! [:D]

Niceone OT hope your keeping well.

[:)]

Hello Rob 71 and welcome to the forum,any surplus in your disposable income would effect your payments into your IVA,this would be decided by your IP,which you would have to notify of any changes,you may be able to keep some of the money for contingencies like moving expenses and decorating,etc.

Well done Nahdia congratulations.

The BORO,s on a roll now [:D],well done Swansea they were good on tely.[8D]

Hello Sar.md and welcome to the forum.Although your IVA seems to be failing there is a solution out there to sort your debt problems.Your credit rating will be poor for six years from the start of your IVA so it will be unlikely that you will get a mortgage before the 6 years are up.So Bankruptcy wo...

Congratulations Orchid,enjoy your debt free future.

You need to send a proposal letter stating as Niobe as said,that the money is only available if the offer is accepted.Emphasise that it is a full and final offer to conclude your IVA early.State any reasons you are making the offer, Eg any employment or health issues.The name and address of the pers...