Thank you very much foggy its been very helpful talking to you

Hi foggy so ive only just started the second year on my iva I'm 17months in

thanks kalis

so and offer of £4000 is likely to be declined?

You need to tempt the creditors to agree to accept ----- this is done by offering near what they would get if you carried on in the IVA, which is the number of months remaining ( plus 12 if you own your home) multiplied by the current monthly payment. Hi foggy thanks for the response. My issue is t...

<t>I want to make a full and finial settlement. my iva level is £5400. I started in the agreement by making payments of £90 and has now increased to £268.50. the iva have told me that I have to calculate my payment by the number of months, I did this and it bought me to nearly £12k this is way more ...

Ok thanks, hopefully when they finally email back they wont see a problem and finish my change in circumstances as tgis is how it all came about... i got a payrise and told them so i could pay more but they still havnt finished the review... in hoping my pence to the pound will be stronger?

I dont have a problem for instance i earnt overtime this month and didnt bet it is just the odd 2 pound here and there and was with my overtime after id made my necessary payments. So i dont think its a problem as ive missed no payments and paid ny additional also it doesnt say you can bet in my agr...

<t>The people who control my iva have said my agreement says i cant gamble when actually fact it doesnt say anthing other than any additional moneys from things like the lottery must be paid into the iva which is fine but i havnt one anything. Also it is my understanding i can earn 10% of my salary ...