Hello! I'm finally free of the IVA! Had a variation meeting yesterday and my full and final has been accepted! Found out today, with all my creditors voting yes. My initial terms meant I was paying £100 pounds a month for 60 months. Overal debt approx £11,000. Paid 13 months = £1300 Meaning £4700 wa...

Hello all, just looking for some advice or for some one with some experience in this to shed some light on my situation. If I'm honest, I feel like my IP should have given me a DMP to start with - They kinda talked me out of it saying it could take 10 years to clear my debt.... (Mis selling? Probabl...

Hello all, I'm a bit worried as one of my creditors is reporting a missed payment on my credit report and not a default - even though the last time I paid was a year ago (when I started my IVA). I'm worried that this will prolong the amount of time that this particular account stays on my credit fil...

<t>I have a few complaints against my IP and wondering about what I can do. It seems that once you enter an IVA, the IP is completely in the driving seat leaving the debtor with little or no recourse for bad or mishandling of an IVA. I'm considering seeking legal advice to have the IVA adjourned if ...

"although some people might say that they'd prefer to have their name spelt wrong in all the records"

Why would this be?

It still shows on my credit report but with the wrong name...

I have a few complaints against my IP and wondering about what I can do. It seems that once you enter an IVA, the IP is completely in the driving seat leaving the debtor with little or no recourse for bad or mishandling of an IVA. I'm considering seeking legal advice to have the IVA adjourned if pos...

Yes I can to the conclusion that my logic was flawed this morning! Of course I'll need to pay the fees too.

So if I'm looking to offer a full and final, should I offer around £5400?

I'd like to go as low as possible really!

<t>I'm looking to settle my IVA early. My total debt is around £10,500 fees are £4,400. So all in all £14,000. <br/> <br/> I'm currently on 60 monthly payments of £100. I've paid 6 so I've got £5400 to go. <br/> <br/> The 60 monthly payments bring the total of my IVA at £6000... <br/> <br/> Now as t...