font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Gemma Burton Thank you Lesley :-) We are asking clients that do not have PPI to return the forms with this on, this way our system will be up to date. When did you ask your clients to do this because I...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by kazzafunk I think if you send your IP a copy of your I&E they will have to ask your creditors to consider payments made to date be enough to end the IVA. That's what we have done today, I just hope pay...

Not a problem, just want to see what they think of having paid over 80% in and a "paid to date" offer.

Just gone through the budget again with a fine toothcomb and coming out at minus £251 BEFORE we pay the IVA's!

*Bump*

Sorry to bump this but as it went off at a tangent I haven't had any input from an "expert" as they may have missed the thread!

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by kallis3

Seriously???????

Yeah, why not? [:D]

This thread is a bit random after all!

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Daveyboi Ok so no redundancy money no contingency fund for you to survive pre new job and struggling to find a new job these are all good reasons for the creditors to accept a full and final payments t...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Car1e

random?

That'll do! [;)]

There is no redundancy money, I was in my last job for around 9 months.

Oh and perhaps a different username is appropriate, can't have people getting sidetracked by having fun! [:D]

Someone choose me another random one quickly!

Thank you, that name is fine!

Thank you for your input so far, I can't really see any other option than offering "Paid to Date" because we simply cannot feed the kids and pay the IVA's. NOTE TO ADMIN: Please can you change my username and remove any reference to it from this thread? The one you have given me is actually an old n...

Both my Wife and I have had IVA's since late 2005. Currently they have around 18 months still left to run because we had the IVA term extended when my wife was made redundant, making the monthly payments more affordable at the time. Unfortunately I was made redundant at the end of last year and my w...

Thanks Melanie, now I understand.

I will ask my IP today to double check if our IVA's are interlocking and what they consider a suitable offer for my wife's.

Anyone have any thoughts on my variation?

No I think it is me! I was thinking she was liable for 1/2 the joint debt (c. £10k) and if she was thinking of offering a F & F it would need to be based on her sole liabilities + 1/2 the joint liability which is only around £12000 in total. Given the payments she has already made and assuming some ...

OK.

Thank you Melanie for your help so far!

Just to be clear, her only sole liability was £700, so surely the £9000 odd of payments outstanding take into account her joint liabilities?

Your joint creditors will therefore get an individual dividend from each estate, so your wife's proposed settlement needs to take account of these debts in full, as does yours under the principle of joint and several liability. So we would need to offer close to 71p in the £1 on half of her liabili...