Even though I have been on a much lower wage without telling my IP, I have still been paying the £100 into my IVA as didnt want the stress

So I knew it was too good to be true...apparently Hanover are now contacting me saying that I may need a final review where they want my last 3 months proof of income and last 3 months full bank statements. If my creditors have agreed to settle for £3,500 and my parents have already paid them this m...

Thanks so much Foggy and for all your help I don’t have any PPI owing to me so am hoping I get my completion certificate ASAP. Is it likely to take 6-8 weeks to get?

My IP just confirmed that ‘the full and final settlement of the arrangement has been approved’ so think that’s a yes! They are going to send me a further confirmation email in due course...

I’m at work so can’t right now but have sent an email...thank you

It was my variation meeting this morning at 10.00am but I haven’t heard from Hanover yet. How long shall I wait before they confirm a decision to me?

My IP also insisted that I still make my monthly payment even though the letter my parents wrote said that was part of the offer? I agreed to pay the monthly amount if they sent it to my creditors, which they have done now. Do you think I will still need to do this?

My work situation has changed today. I will now be earning £800 less a month. Do you think I should still inform my IP? I don't want it jeopardise my full & final offer to my creditors but wonder if it might work in my favour if they see this is potentially the best that my creditors are going to ge...

Ah ok thats good, thanks again. I am reading conflicting things on these forums and the internet in general, just wondering if they will ask for a further review of my finances (if my offer is accepted of course) between now and getting my completion certificate. I have emailed them telling them tha...

Thank you Foggy.

They have put a note at the end saying "The attention of creditors is particularly drawn to the effect of Rule 15.34 regarding requisite majorities, a copy of which is attached to this Notice" but there was nothing attached. Is this anything to be concerned about?

A virtual creditor meeting has been arranged for 17th March so that’s good, only a month to wait for a decision I think? If accepted, will they want the money sent straight away or is there more in the process? I claimed and received PPI years ago so that won’t apply now, although I thought you coul...

Thanks so much for your replies. Is it likely that they may ask me for a review of my IVA payments before the offer is made and/or after if it's accepted? Even though I am still paying into it. Apologies I'm just not au-fait with all this.

The advisor at Hanover kept saying that 'the amount that would need to be offered would be the full amount of £4700' but my parents cannot afford to offer that much and are doing it to save my mental health. I have been so so down and depressed about this that it cannot go on any longer. I really ho...

Ok thank you. My IP has come back this morning and said they've passed it to their Variations dept who will 'check if they are ok to propose the offer with it being lower than that due to be received by the end of the IVA'. Apparently they will contact me in the week. This is making me feel concerne...

Thank you. My parents have agreed to gift me £3,500 & have written a letter and sent ID & copy of joint bank statement over to my IP company. So hopefully this will be considered & put forward to my creditors. How long might it roughly take for a decision to come through and wonder if I still need t...