Thank you Kallis3, It feels like freedom is quite possibly within our reach.

Thanks Foggy. That helps. Today they have agreed (on the telephone) to provide us with the amount we would owe if we paid the 100p in the pound . if we can afford it we will probably sell in order to pay if off. thanks again for your help it really is appreciated x

Foggy & iva forum members Can i ask you something. Im trying to pay off my iva by selling my house and Foggy kindly worked out an estimate of how much i owe if i paid 100p in the pound (see below) At the moment gt are refusing to give me any indication of how much i owe with fees. They say once i se...

thanks Foggy

thanks for that, i will have a look at the link you sent. thank you

Thank you for that. I spoke to gt again and they are still saying they dont have to call a variation meeting. because of this i will put in a complaint today. Any ideas who i complain to first. The person i spoke to at gt said there is NO governing body. Can anyone help
thank you

Hi there just a quick question. I am trying to offer a f&f settlement to gt but they will not even put the offer forward to the creditors. Am i allowed to insist that they put my request to the creditors at a variation meeting .what rights do i have to insist? I owe 48k but paying off 18k i have alr...

No Probs Michael. Im grateful for all your replies and help.

Phew, thanks for that Foggy. They are not involved. We have asked gt to accept 30k but they say they wont hold the variation meeting until august. so i guess we just have to wait and see.

Hi Michael. Re the HMRC, why would they want to take the lot? i didnt understand your last bit . I plan to haggle re the f&f offer. I am hoping they will take 35k because we need some money left over to live/rent/perhaps a deposit totry again for a mortgage. I dont understand why the hmrc would come...

HI Shaun, just seen your note. thank you. We are currently putting a letter together to gt to ask if they will accept a full and final offer of 30k IF we can sell our house. our other concern is if they accept the offer and then later come back for more before the issue of the cc. we are thinking of...

cheers everyone, this really has been helpful

Brilliant , thank you Foggy, i think i found him through looking at other post. i will give him a go.
cheers

Hi Michael, thanks for that. Im wondering if we would be able to get a loan , we aleady have a secured loan on the house. IF we did get another loan how would we pay it in the interim whilst we had our house up for sale? and also the terms of the iva say we are not allowed to borrow. and if we were ...

Thank you Lesley and Foggy for your replies. We are going to ring gt and ask them to put if forward to the creditors, we will back this up in a letter. I'm with you lesley, i think they would rather we sell first so they can take everything but we really need money left over to re start or there is ...