Thanks for the advice, typically how long does the whole process take then from me telling my IP that I wish to make an offer and then actually closing it all off? The money will be available at the end of April and I want to make the offer early enough that we can just hand over the payment at the ...

Hello All, I have 9 months left of my IVA and I pay £400 per month in. My Supervisors fees I've worked out to be £83.33 per month. A family member has offered an amount to clear the IVA. From the figures above I think an amount of around £2,800 should match what I would pay anyway. Would somebody...

Its also my fault because I have been swallowing the cost of living increases each year too so i probably should have pushed to have one done. It feels a bit like something that just sleeps in the background and takes £270 each month from me and is happy. approaching them about things seems a bit li...

No, my earnings havent changed so didnt think i needed to, I'm doing one at the moment though because the cost of living has jumped up so much.

Sorry I shouldnt have put breach, its one of my three strikes towards a breach, ill edit the original post.

Hello all, I'm just starting my 4th year of my IVA and in Jan my fridge freezer packed up, i couldnt afford to replace it without missing an IVA payment as we cant go without a fridge. I wrote to my IP and said that i didnt have enough available money each month to cover such a situation so is it re...

Hello experts, I'm in the third year of my IVA and have a question. When I started my IVA one of the companies I owed money too quoted the amount I owed as including all the interest and charges that i would of paid if i had seen the loan through to its natural end is this normal and allowed? I rais...

Hello, I've potentially been offered a sum of money (approx 12-13k) by a relative to be used only as a full and final settlement. What I'd like to know is how I go about calculating whether this is a sensible offer. The details of my IVA are: IVA = £24,000 monthly payments = £400 Fees = £8,686 total...