Thank you all for your comments, much appreciated. I guess if my IP is suggesting this approach it must have a good chance of success. I'm worried most about the possibility of creditors failing my IVA after all this time, if they didnt accept the proposed completion, then I'm not sure where we will...

Variation Meeting - Due to my poor health, being off sick, going onto reduced pay and now reduced to working part time, my IP has suggested (after I&E review) that we approach creditors to ask for payments made to date be accepted to close IVA. They would not, however, advise of the chances of succe...

Well done Pennyless. Just read this post from start to finish and really pleased for you. I can relate to your position, not from being made redundant but from being ill for a year, the reduced wages and not knowing if I will be well enough to work. Best of luck with finding new employment and to yo...

Dont worry Foggy, if I can manage to decipher my sons texts your script is a piece of cake lol.

Thanks Foggy.

Just a thought, if one completes an IVA early, is there anything you can progress wrt improving credit rating etc before the 6 year point? If not, I guess there is no great urgency in chasing the CC or are there other benefits?

Thanks Lem, I guess you are in a similar position to me. Have you requested a F&F based on payments to date? Who are you with? We are worried that they may default the IVA and then we would be back to the pre-IVA situation where we will be dealing direct with creditors again but not have "any" dispo...

Thanks for the feedback Mel and luluj, I hadnt even considered F&F as an option at this stage. I will take that up with GT once they get back to me on my annual review. Any thoughts on any alternatives? Lol about ironing! On the extremely rare occassions when the thought of an iron even got close to...

Sounds like bliss!!! lol
Take care.

Hi Foggy good to talk to you again and thanks for your response. I'm hoping we can sort something out, the alternatives (BR) arent very attractive! Yes, stepping up from 6 to 12 hrs a week was quite a step for me and any further increases will be very gradual over quite some period of time. I have i...

Impact of illness I started an IVA with my wife in Dec 2010 and we were doing fine until I became ill last year and eventually diagnosed with a long term illness. I was off sick for 9 months, for the first 6 months I was on full pay, so no impact on contribution to IVA. From Sept 2013 I went onto ha...

Hi Foggy - Ive not been online for a while, last time I looked you were due to complete IVA just after me!
Sorry to hear about your bad news but congrats with completion.

Foggy, yes I agree. I am quite content at the moment with GT and pleased with the annual review, as well as their open minded approach to a couple of other queries I posed to them, including the Green Deal scheme. As far as closure is concerned, at present for me, I will be happy to have the additio...

I must say that our fuel bill per month is over £500, due to mileage covered for both me and my wife for work, as well as unusually high domestic mileage running our little sportsman around the region - it is what it is. Similar with gas/electric, ours has increased this year (actually about 3 month...

Flossom, It is difficult to grasp all the options at this stage. For me, I was actually online looking for another loan option, when I came across a site for people in debt, out of curiosity I entered my details, I then started getting calls from companies talking about bankruptcy, debt management p...