My IVA has failed after a couple of years due to job loss. I'm thinking of either going bankrupt as no assets or approaching creditors myself to offer full and finals as some funds could be lent to me by a family member. ( I don't want to try and salvage IVA with a payment break as really had enough...

That's what seems so crazy is them saying i still have to make payments. If I could afford to pay it each month I wouldn't be looking at doing a Full and Final. The only way I could keep up with the monthly payments would be for my husband to use his credit card to lend me the money, which is madnes...

Thanks for all your replies. I'm with one of the big IVA providers, but don't want to name them at present if that's ok. It is the IP who is saying I can't have a payment break if I am proposing a full and final offer. But I don't know how he accepts me to still pay the monthly amount as I can't mag...

I'm really confused. I spoke to my IP yesterday and said that I am thinking of doing a Full and Final offer, but he's said that I would still have to keep paying my monthly IVA payments until the offer is refused or accepted and i can't have any payment holiday even though I have never had one befor...

I'm two and a half years into IVA and just lost my job with no redundancy payout. I have no assets and live with parents. A family member has offered to take out a loan so I can do a full and final offer and then pay them back each month once I get a job. Please can you let me know what you think of...