hello, see my post on here answered by andy. title....rejected by grant thornton. it may help you in your decision

thanks for that clear answer. i have emailed you back one more question. will visit your site when it is open in the week for guidance during the process. thanks for all, great help in this distressing time.

hi Andy, exactly what I was saying. I couldnt get through to yourselves for advice/help with the bankruptcy issue on your site. will try again tomorrow.

sorry, it really doesnt matter anyway as like i said no money has been received. Also payplan our iva company said he can keep it and does not have to offer it to creditors as it is less than his usual 6 month wages. Surely you cannot argue with a supervisor from payplans advice? thanks anyway lulu ...

well in my husbands case 7600 pounds is less than months wages anyway. if you search this site plenty of people have had their severance pay accepted as full and final offer as if the creditors dont accept people dont take severance pay. my husband is not going to take severance pay for nothing. may...

sorry melanie i do not agree, other experts have advised me on another site that i can offer it in full and final settlement. also payplan have told us that if the variation is accepted it can be kept to live on and if my husband gets another job then they will expect a lump sum. it is not a windfal...

Thanks for your support. really fed up as we both had debts from our previous marriages ,then we lost our business and we were in a repayment plans from 2006 to 2008, then on to an iva in 2008. We have just had bad luck with job cuts. Now severance pay will have to be accepted as job redundancies ar...

yes whatever you decide it will be what is best for you. i got to keep my car though as i needed it for work .

Hi, i was in a simular position. The secured loans were too much. In the end myself and my ex- husband gave the house back to the mortgage company and the secured loans are now on our seperate iva`s as we divorced . Had to be done as we couldnt cope and got divorced in the end. If you have equity i ...

hi, i wont claim unemployment benefit as i have a new partner who works and we have tax credits/child tax credits. i have a few interviews lined up so hopefully wont be out of work long. plus i have agency work. all the above is in my iva calculations. i will still be entitled to the tax credits but...

yes ...we didnt even know the letter was coming until the admin staff sneaked one out to someone and it eventually fell on my lap thats how we knew. We were told no voluntary redundancies and no severance pay at a meeting then a week later a letter through the post..not the beginning i envisaged for...

hi all, after mulling over my options for a week, i was about to send in the letter for a full and final settlement offer and accept family help,when on tuesday i received through the post a severance pay offer from the council in which i work. Knowing jobs are going to go anyway i am going to take ...

Thank you all for your help. Going to make the offer suggested by james and see what happens. Last time my iva company wouldn't even put the suggestion of this amount to the creditors. Trying again though. Thanks again

H james, Thanks so much, will offer the 7 to 8. I tried this before and was told by the iva company to offer more like 10. I was under the impression the iva company did not have to tell creditors I had made an offer if they thought it will be rejected. If this is wrong I will phone back and tell th...

Hi michael, I was told I cannot take a loan out for more than 500 pounds. I was hoping to get a loan secured or unsecured and pay the iva off by offering the amount I would be paying over the next 5 years .I have already paid two years at a higher amount 750 pounds a month. My pay was reduced at wor...