Many thanks. Yes, it's time enough now. Been emailing them regularly but think a few calls are now in order.

Could anyone comment on how long it takes to receive your certificate after a F&F settlement. Funds cleared into the IP on 30th October and we still haven't received it. Our IP says they're still dealing with things, but it seems a long time. Many thanks.

So could an IP issue an 11.2 notice after 12 months say, to clear up any existing claims? Or even after the first creditors meeting if an IVA was accepted by other claimants?

Well, I'm no expert and to be honest I asked exactly the same above. I am presuming the following: Your situation with Lloyds is the same as my partner's situation with Barclays it seems. He had put his debt of Barclays on his Statement of Affairs, so it was included in his overall debt. The IVA wen...

Hi to all again. I thought I would just bring you up to date with latest news. My partner has had a successful variation meeting and we can't believe it's all going to be over. The upshot was that Barclays never claimed or voted so the meeting went ahead with their claim as 'nil'. That meant that we...

Thank you for this - much clearer now. However, any idea why therefore our IP would say that he's putting forward £24,800 as the amount for a F&F but if this last creditor comes forward we'll have to find another £14/15,000. This creditor is on the statement of Affairs but has never put in a claim d...

My partner is in the same position as you re: having a creditor who hasn't made a claim. Also the 10% rule applies. We are awaiting his variation meeting, which is happening on 25th O~ctober and are very concerned about the other creditor. We've a sum of money which has been allocated to the F&F but...

My partner was unfortunate enough to build up a business and then lost it due to signing some papers with two chaps, who didn't pay up. He was left with a personal guarantee for £186K, no job (as he was ousted from his own company), and therefore no means to repay the PG. No choice but to get into a...

Yes, you're right. Nothing to date has been given to Barclays. I can see it seems strange to you, but of course to us, we don't know the rules, just go along with what the IP says. She's contacting them again, because we've been told that they should be due to a variation meeting. Are you saying tha...

She's just explained the above. She's tried and tried to write, fax and call Barclays, but unsure whether she means recently or at the time of setting up the IVA. Anyhow, we have a very good situation of only paying £24,800 if Barclays don't shout, out of the total of £38K odd remaining, so if Barcl...

Hi again. I have now found out more as further information has come to light today. In fact, it seems that there were a few points that weren't clear to either of us. Firstly, the total amount originally owed was £186K. However, this was made up from 6 creditors, one being Barclays @ £58K the larges...

Re-read your queries again and missed some info out. The original debt had been agreed at the time of the IVA. There are no other creditors listed, just the ones originally dealt with at the time of the IVA. Therefore, no outstanding claims.

Thanks for both responses. Firstly, let me come clean. I am the partner of the person who has the IVA, but thought that it would read better to be written in the first person. Apologies. Therefore my partners original debt was for £182K with an agreed IVA to pay of £56K, which includes IP charges. H...

Hi to all. I've been following this site for a few months but never contributed until now. A very puzzling (and worrying) situation has arisen. I have an IVA - 20 months into it and my new partner has offered to stump up the cash for the F&F settlement. So far so good... I'm very lucky. However, on ...