Thanks Foggy, I was thinking that, and if it is rejected I can always return with something else.

<t>Hi, I’m looking for some advice about what a full and final offer should be. I currently still owe £3600, and pay £90/month (the minimum). My income and expenditure will show that this month is not currently affordable for me as I have been furloughed for about 60% of the last year. I have used s...

Thanks for the advice everyone. I have made contact with Shaun and Ryan’s companies, both felt a mortgage is possible but with a higher deposit of around 30%, this would go down year on year after the IVA is settled (currently a long way out of reach). I am proceeding with the F & F settlement follo...

Thanks for your suggestions. I will be in touch with Ryan and Shaun. I understand that it is unlikely. I just wanted to check that it is worth trying before I propose a F&F settlement. I will press ahead with that anyway as it will give me the freedom to start improving my credit score.

<t>Hi, I am about two years into my IVA with FWG, which I pay in £90/mth into. My Mum recently sold her house and has moved abroad, from this sale she finds herself in a position to buy me out of my IVA. She would also like to help get me on the property ladder if possible. I want to find out the li...