Hi D70 I will give my own opinion where I got fund from PPI before my IVA. You have paid something towards it and you getting back with 8% interest over a period of time. You have lots of information and how to claim it back without spending any money. Now you are in IVA and I think you can still cl...

Once again thank you for all your advises.
It is a big relief to just await for the certificate.
I am right to say if any windfalls I can keep it after FF accepted or after the certificate.
In this forum we know the answers before we go to the forum.

Good news. FandF has been accepted. Thank you for all your help and support. I have received fund from the third party. This is a good forum for advise and help. I have paid another installment prior to the meeting which was not included in the FanF. The question is whether I can reduce the sum on ...

Good news. FandF has been accepted. Thank you for all your help and support. I have received fund from the third party. This is a good forum for advise and help. I have paid another installment prior to the meeting which was not included in the FanF. The question is whether I can reduce the sum on F...

Thank you all, your support and advise. First payment is part of the IVA and just started. Because of my age and the job, requested for F.F The question is, For the regular payment of £16K for the full IVA period- can you offer £13kfor F.F
Is it a reasonable offer?
Any advise is greatly appreciated.

I have just paid the first cheque nearly half of my required amount from my insurance policy. I also requested for FF with the help of friends and families because of my retirement age this year. If the required amount is 16k is it ok to offer 13K or close to the amount. What will happen if it is re...

Thank you for your prompt reply. I am sure you all agree that IP fees is must and wroth every penny of it. They are the people who brought us out of the situation.

I haven accepted over the phone.Thank you for all your support.Few questions for the experts Creditors pay for the charges- Not sure about that. First 5 months nominee fee and 15% supervisors fee. What about any pro rota payment. One payment paid end of December for January payment. Any advise is gr...

Congratulations Casper well done. I wonder you could help on this matter. I am just accepted for an IVA- Now, at what time period you apply for a full and final settlement. My term is 72 months. How to find the extra fund. Thanks

You always follow what is best for you. From the forum It is obvious the IVA is well suited for most of us. DMP have some draw backs as stated in the forum.

Thanks for the information. I have 93k equity of my share of the property At the end of the 54, month creditor may want extra fund from re-mortgage the property. To avoid the another 12 months extended. For the three months to pay the tax liabilities about £900.00 Disposable income based on the fore...

Thanks for the information. I have 93k equity of my share of the property At the end of the 54, month creditor may want extra fund from re-mortgage the property. To avoid the another 12 months extended. For the three months to pay the tax liabilities about £900.00 Disposable income based on the fore...

Thank Melanie for the information. My family members will put up some of the fund and the rest from Joint policy 25k.My proposal of 30k for final settlement instead of IVA for 6 years. Most of my creditors accepted the pro-rota payment. FF is the biding contract like IVA- What will be in the credit ...

I have a proposalfor IVa debt about 113000.00 I have an joint endowment policy 24000- agreed to pay £369.00 month for about 75 months for IVA. Do you have to declare the pension. How is going to affect the monthly payment.
Is it better to go for last and final settlement and how much to offer.