Exactly right Andy I offered to pay the full amount that would be paid over the last 22 months 2 creditors said that the offer wasnt high enough because of the amount of equity in my property they would expect a higher offer when the iva started an extra year was added to exclude the property but in...

Feel absolutely gutted, had my offer of full & final settlement to clear iva refused even though the offer was to pay the amount that I would pay over the final 22 months. Because of the equity in my property my creditors do not feel that I am offering as much as I could have done. My property was e...

I would be interested to read of any previous experience of offers of early Full and Final settlements - Ive got my creditors meeting coming up next week and am a nervous wreck. Any comments / thoughts appreciated as the offer I've put forward seems a lot less than others ive previously read about. ...