Thanks - it is with Debenhams but I presume someone will run their credit facility. Since the completion of my IVA my bank asked if I wanted an overdraft. I thought this might help so said yes and try to dip into it and then come out again fairly quickly as I think this will help my credit score - i...

I completed my IVA through a F&F after approx 32 months (payment made in september and completion cert through in Feb. I am now debt free and all my purchases since September have been paid in full. Now I have seen a TV that I desire but do not have the full purchase cost in cash but the store is do...

Thanks IVA Experts I will ring today.

So when the completion form comes through should I be sending copies on to anyone?

I have had my offer accepted and have transferred the money across. But what else do I need to do if anything. I would like to clear up my credit file and realise this will take time but do I need to request anything from my IP or creditors, should I wait for documents to come through or is that it ...

Thanks Andy I was just worried because the Document drafted with the offer states the amount I have offered - I guess there will be a addendum. So, fingers crossed, it gets accepted, can i just amend my standing order for this month to pay the settlement figure and then cancel it or do I have send a...

Hi I have my meeting schedule for tomorrow at 10.30 and have a question that logic tells me is a simple question but for ease of mind would like confirmation. I made a F&F offer which will be considered tommorow some 3 mths ago. The document drafted stated that this will offer 49p when the original ...

Thanks Mel, I hope you get paid for this! Sorry, I have another question. I am proposing to offer £9k as full and final settlement. Will this take into account the fees or are they treated as seperate. Ie will the £9k be offered to the creditors and if accepted my IP will then charge me the £1,500 e...

Thanks Would this be acceptable? Dear Sir/Madam, I would like to offer £9,000 in order for Full and Final settlement of my IVA. The funds, if the offer is accepted will come from a friend in the form of an interest free loan and will be paid at a rate of £350 per month until the balance is nil. Plea...

In respect of the Equity release clause, I dont think this will apply as I do not own any property.

Do you believe that the early settlement fee is excessive.

Many Thanks for replying, especially as it is a saturday. Can you give advice on a figure to offer?

After requesting a figure for a full and final settlement figure from my IP I am a bit disullioned/confused with the response. My original debt figure was £23,803.90. The agreed dividend was 51p/£. I am 30 months in and have paid £10,395 to date. The letter I received dated that to pay the creditors...

After requesting a figure for a full and final settlement figure from my IP I am a bit disullioned/confused with the response. My original debt figure was £23,803.90. The agreed dividend was 51p/£. I am 30 months in and have paid £10,395 to date. The letter I received dated that to pay the creditors...

Sorry - I have no equity of any sort either. All I own is this IVA!!

Thanks for reading Oliver. Ok here goes Debt c23,000 (not got exact figures in front of me) Agreed dividend - 51p/£ 12 months paid at £328 18 months paid at £365 Total Paid £10,506 I have no idea what a reasonable offer would be and need help with this as my Parent have yet to agree as I cant give a...

I rang my IVA company today to discuss the possibility of end my IVA early via a interest free loan from either parents or friend. I rang and asked to speak to my IP or someone who could help. They said that I should send a letter with my intentions and they will send a breakdown of what I need to p...

Can anyone advise on the timescales of the process and what exactly happens. My view thus far is ring my IP, discuss what a fair offer may be, submit and await creditors response. Is this the general way and how quick is it over? Will I ever be able to get a standard mortgage in a few years. Just ap...