Given the complications of this case I can't expect you to come up with instant answers. However my daughter has had legal advice for years with this case, and the OR has been involved from the beginning. I think though that the insolvency department of the solicitors were not involved early enough ...

Hi. Thank you for your reply. The OR didn't give my daughter more than 24 hours to negotiate. She has legal advice but I thought two heads are better than one. It appears to be too late. She has to pay the fees of the Secretary of State. This case has been running for over five years, so a lot of co...

<t>My daughter has won a medical negligence case and was made bankrupt during this time. She is unable to work and has had two further surgeries. The solicitors hold the fund. The amount of the bankruptcy was £56,000 plus 8% interest plus £10,000 charges by the OR. However she is expected to pay an ...

<t>Hi Everybody, I would just like to thank everyone who helped me through my IVA, and answered my questions and put my mind at rest about what could or couldn't happen. Foggy and Lisa and others went into detail which helped me to make my decisions. I was in a mess emotionally and financially and n...

<t>My IVA was taken out with Hanover. I paid the IVA off early last September, (I paid off in the first year luckily through a relative), but was told that it would take several months to receive a completion certificate. Nothing has arrived and now I'm worried that I may not get it because I paid e...

Hi, I am pleased to report that my IVA is being paid off by a relative. My creditors held a meeting and agreed without conditions. Thank you for your advice and support, to give me the confidence to do it. After I have paid it will the items on my credit file stay there for six years or can I do any...

A relative has offered to pay my IVA in full. I have only been in the IVA six months, and the full amount I owed was £7770. My cousin is offering £7000. Will they make me pay more towards my debts, or do I have a chance of this being accepted?

I have been unable to make a reply to Lisa Thomas and Mrs R. Lisa asked if the £7600 related to the amount to repay or the original debt. The original debt was £20500. I have been in a debt management plan for 5 years and repaid £10,000. Even though I have just started an IVA can I apply for F & F

I have just begun an IVA for £7600. A cousin of mine was concerned when he found out, due to my ill health, that it would not be good for me. He has offered to pay a full and final settlement for me, but only for the IVA. Is this a possibility at some point in the IVA?

Im applying for an IVA. I live with my ex partner whom I separated from some years ago. I returned as a carer when he became seriously I'll. We live separate lives and all the debt is in my name. The property is owned outright by us, and our wills state that our two children by separate marriages ca...

Is a F&F settlement based on the amount paid in over 5/6 years to the IVA company, or the full amount owed to the creditors?

I have equity in a home with my partner, but my debts are entirely mine and nothing to do with my partner. Would an IVA make me use the equity in the house even though my partner is not in agreement

I know it looks as if I'm not paying enough (lem), but I am also supporting my daughter who has had two redundancies and two serious laparotomies for peritonitis and an abcessed appendix in the last two years (as a nurse you will get what I mean)and is still awaiting surgery for numerous adhesions. ...

I have been paying into a debt management scheme for almost two years, but as I owe over £20000 I don't think I will ever pay it off. I pay £91 per month and £40 per month fees to manage it for me. Would I be better going for an IVA. I jointly own a property with my partner who refuses to allow m...