Many thanks for your kind words. I have two years left and it would be wonderful for it to be finally over, so I can start afresh with my new family. Just wanted to check the letter was o.k so I didn't fall at the final hurdle.

Best Regards

Emma

Hello Knowledgeable posters. Is there anyone out there that would be able to check the following before I send it off to my IP, it's with reference to offering a full and final settlement - I write with reference to offering a full and final settlement on my IVA. On the xxth of September I was lucky...