Hi,

What documents will i need and be required to provide to put forward a full and final settlement whilst already in my IVA?

Kazzafunk, I realise this about the 6 months redundancy pay. This is in my contract. However, the Redundancy payment i will be recieving is a substantial amount of money. I would be able to offer around the original agreed dividend of £23,000 minus the £3000 I have already paid over the last 7 month...

Hi all, I am already in an IVA but I am wanting to offer a full and final to my creditors. If I am going to offer this does anybody know what documents i will need along with proof of where the money is coming from (lump sum redundancy payment) and a letter confiming my wish and the reasons why I wa...

hi all, still thinking about this from the other day..... not sure which direction to take and what i will need to do to put a 'full and final' proposal together? Does anybody think what I am offering would be enough, especially if i am out of work and not likely to get a job on the same wage or nea...

Do you know what that didn't really cross my mind. As you said it is only a possibility and not set in stone. Something to think about What you guys are saying makes sense and as I have said in my earlier post, the job market is rubbish and I think I am really going to struggle to find something on ...

Thanks for the responses... I wanted to get some idea and others views of the situation before I speak to my IP about it. I was hoping that due to my circumstances, no assets and not a home owner able to release equity, that I may be able to offer the full and final as close to the original agreed a...

Hi all, I am after some forum members/experts advice please....... I have been in my IVA for only 7 months and currently paying £390pm with a total agreed amount to pay back over 5 years of around £23,000 (Original debt £35k). Total payed in so far being £2730! I have recently found out that I will ...

Thankyou everybody for your kind words. And thankyou Tina S for forwarding on my post. My Celebrations will have to wait until Sunday night as I am working until then!

I have only posted on here a few times but.....I had my creditors meeting today @ 10:30am. About an hour later I had a phone call to confirm that it had been accepted....with no modifications other a few fee amendments. It felt like a weight had been lifted from my shoulders. [:D] I would like to th...

Thanks for the quick response kallis3 Am I right in thinking that they couldn't and wouldn't be allowed by law to do this as I am not linked to her bank account in any way, even if we live at the same address etc? I pay her rent pcm but am not linked to mortgage or anything. Also me being in an IVA,...

Hi, I have not even started my IVA yet and haven't missed a payment with Barclaycard. However, Barclaycard doesn't show on my credit report at all! I don't know why. I have around £4000 of debt with them but its not showing up....yet all other creditors are, so your not the only one! My credit repor...

Hi, newbie here! Intro and question about off-setting. I'm new to the forum, although I have been trawling the website for several months (which is fantastic by the way) and im about to embark on my IVA journey (I hope). I have been in touch with a couple of companies and have yet to make a choice o...