Hi Melanie
Thanks for that, i know you wont be able to say for sure but on the 75% basis i will need HMRC to agree, is this likley to happen ? I have read loads on this forum, its nice to know im not alone and to get help from you.

Hi, how is an offer of Full and Final settelment accepted , is it put to a vote or do all creditors have to agree for it to go ahead and do you have to have a reason rather than just a really generous friend wanting to help you out ?