Hi Guys, I have now received my completion certificate im so happy, I just have another question if you can help. I have applied for my credit report from call credit and equifax so far and both reports look a lot different. call credit have me defaulting on my accounts all the way through to Novemb...

Hi Guys, Just had the creditors meeting after what was a bit of a stressful morning, I got a call saying that they had most of my creditors come back rejecting the proposal but they were still waiting on 1 but it was'nt looking very promising. They asked if my dad could up the offer which he was pre...

Wow Kazza mine seems a lot less complicated than that. i appreciate you telling me though just so i can get some idea. with mine they are expecting 19p in the £ back but with the offer i have made they would get 16p in the £ i just hope they all say yes so i can be done with it.

Yeah looking at the figures they would be mad to go for bankruptcy!! Kazza i see you have finished yours now brilliant! was there any issues with your offer? and how close to the money they expected back was it if you don't mind me asking?

Hi Guys, Just thought i would post an update, i have received my paperwork from payplan to sign and return so they can arrange the meeting. the only mention of bankruptcy is in the comparison of what creditors would get as opposed to the arrangement but nothing else about them making me bankrupt. ev...

I've just recieved a message from the variations team, asking me to supply the reasons i want to finish the iva early (i already put this in the original letter) a signed letter from my dad stating he will pay it and proof of rent( i pay board to my parents so i have reciepts) and proof of child mai...

I've only sent the letters from myself to them I've not had anything to sign yet i was told i will get something once the variation team have gone over it.

Hi Guys,

Just to let you all know I've had a response today saying the supervisor has authorized the meeting to offer the lump sum and that the information has been passed over to the variations team in case they need any more info. what kind of info would they be looking for?

Another option could be Santander, co op closed my account but this was my own fault. I applied to Santander while in the iva and they had no issues accepting me.

I have sent the letter from my dad and myself through to them today and he said the supervisor would look at this next week and then send it to the variations team and thats when he stated 3 months. i suppose the only thing i can do is keep chasing them on it.

Thanks for your advice guys, i really appreciate it!

Hi Kallis,

I will be sure to look out for that, if they do reject it is it a case of just contacting them again with a better offer? sorry if that's a stupid question.

Hi again, So i have jut come off the phone to my IP and he has informed me what i need to put in writing etc it all seems as straight forward as everyone has mentioned above, he also mentioned it would be 3 months. He did also mention the bankruptcy but as i have no assets he said it would be unlike...

Is it worth stating in the letter that if the offer is rejected then the funds will be no longer available and the iva will continue as normal?

Ok brilliant, i'm going to go in with a lower offer i think and then any payments made over the next couple of months won't matter to much, and thanks for the letter template it gives me something to think about.