Hi all... update to my situation. My variation meeting was held on 28th of April and my offer for a full and final settlement was accepted. "Happy" does not begin to describe the feeling. Thanks to everyone on here for the advice and good wishes. It made such a difference to have somewhere I could a...

Hi foggy. It was over the phone I was told.

Hi all. Update. Looking through our finances we worked out that we could only afford around £75 per month. (our original agreement was for £260). My Sister was able to give £1000 to me so I offered that as a final settlement to the account on 21st of Jan. However my latest annual report shows that I...

Lisa, Andy, Michael.. thanks for your help. I'll take the advice and ask my IP to ask my creditors to take payments made so far as full and final settlement. I'll let you know what happens.

Hi Lisa, thanks for getting back to me. I'll try that. I'm waiting for my latest wage slip which I should have next week so I can show how much exactly how much we have coming in before I get in touch with them. Its a joint IVA so I'm wondering if the IP may give a payment holiday to my wife (or eve...

I should also add that because of PPI and wage rises I have managed to pay far more than the original agreement already.

Hi All. thanks in advance for any help. I've just completed my 5th year of my IVA. Because I couldn't get a re-mortgage on my house I am now going into the extended 12 months. My wife lost her job 6 months ago and has been on job seekers allowance which comes to an end this month after which she wil...