My IVA failed a few years ago after i lost my job. Termination letter was received and it has now been removed from my credit file. When setting up my IVA I had a pension fund. I couldn't access it as I was too young - still am! Whilst in my IVA I was convinced by a third party to reinvest my pensio...

Thanks for all the replys. I was thinking in the region of about £3500, so my estimate seems about right. Now to speak to my uncle...

hi. I am thinking about a full and final offer for my iva. I have 2 years left to run in june and currently pay £150 per month. The agreement was for approx 15p in the pound. What kind of figure should i be looking to offer as a starting point as i'm getting this money from a family member?