Thanks Size5 and Michael. I'll get terms in writing and give this a go then.

Thanks guys, I'm with Abacus (cleardebt). Just want to make sure the money is protected if I pay it over. Never sure I get the best advice or information from them, so I appreciate your comments.

Hi All, Currently in the final year of my IVA and have been discussing with my supervisor making a F&F payment, for the full outstanding amount (around £7,000). I have a baby arriving this year and want the IVA behind me before they arrive. They have said that I will need to show proof of funds and...

Will I be able to get a mortgage after my IVA is complete and at least a year has passed since completion? My situation is: I had a debt of £37,000 I will have paid off 100% of this by the time my IVA completes (Dec15) as my salary is high. I expect to be applying for a mortgage about 3 years after...

Hi, I am in my 4th year of my IVA, and I may have the opportunity to make a settlement offer at the end of this year, when the total remaining will be circa £10k. I am fully up to date with payments and infact I have paid in more than originally required due to bonuses etc. I would like advice on t...

Hi Owen, I'm considering a full and final settlement at the the end of this year, which will be my 4th year. How did you go about making the offer? was it through your IP? I ask because my IP seems to think only the full outstanding amount would be accepted? By end of this year, I would owe slightly...