Success! I have finally had a F&F accepted by my creditors, after a lot of work has been put in by the Select Partnership. I just wanted to thank everyone at the company, especially Barry Cannon who has been a god send from start to finish.

Thanks to everyone for their help. I'm sure FJ are doing their best, I just find it hard to get my head around these things....probably why I have an IVA in the first place?!

Spencer, thanks for offering to assist, I will email you with details soon.

Hello I'm currently two years into my IVA, but after being in touch with the Select Partnership I may be in a position to raise enough through a secured loan to make a full and final offer. I have emailed Freeman Jones about this, and although they haven't discounted the idea, they are saying that t...

Thank you. Is there a website I can look at for select?

Hi Michael

How would a secured loan work? Sorry I'm a bit ignorant in terms of these things!

Thanks Foggy. That is the plan. I can see out the term of the IVA if they won't accept, so makes sense for them I guess.

I was looking at somewhere in the region of £25-£28000 to hopefully tempt them.

I am currently 18 months into my IVA. My original debt was just over £39000, and over the term of the IVA, I am due to pay back around £16, 800. I have just had my house valued, and have a large amount of equity in it, and I'm happy to sell the house. I have spoke to Freeman Jones today and they i...

Hi Michael

Thanks for the reply. There is £23000 in the property.

I am currently just under 2 years into my IVA. I am due to pay back £16,800 and have paid close to £7000 already including PPI claims. I am in a position to sell my house, which I have been thinking of doing anyway as it's too big for me on my own. There is some equity in the place, enough to pay ...

Hello I am currently 16 months into my IVA, and am due to pay back a total of £16,800. From a recent valuation I could get £175,000 for my house, with a remaining mortgage of £153,000. With this in mind, and the amount I have already paid back and my PPI claims, if I were to sell, would the entir...

I know, sorry for that I was just angry I know everyone is trying to help.

I'm looking to move as I'm a single bloke in a 3 bed house. So I don't need all the rooms, and I could save money by living somewhere cheaper and smaller. I will ask the IVA people when I'm in a better mood!

No this wasn't explained to me otherwise I wouldn't have attempted to sell in the first place, but thanks for the clutching remark. I visited the forum for advice, not to be made to felt like a Wally by the people on here. Thanks.

Thanks for the replies. These facts were not made available to me when I took the IVA out, so I assumed that I could sell. The company have informed me that I would have to give them all the money, which isn't possible for me.

Can I rent my place out instead?

I am a year into IVA now and now looking at selling my property.

How much of the equity would be required by the IVA?. The current outstanding mortgage is £154,000. The offer made on the house is £175,000.