Thanks Foggy, I Have drafted a letter from myself and the donor. Will offer £4700 which is the absolute Max. What you have said was a great help and also true, retails looking bleak, hours have been cut and futures not looking good. The stress is a lot especially with this IVA also looming. Keep thi...

Thanks Foggy, When I spoke to the lady from the assets department at CF, she said an offer around 6k would show I was serious. Obviously I trust your valuation, just concerned that creditors may realise I have not even been running with this IVA for a year and may think my £100 will increase overtim...

CreditFix. Currently been in an IVA for 8 months paying £100 per month. Full settlement Balance to all creditors is £12,181. Balance to Pay at the moment is 52x £100 = £5,200. My question is - what sort of figure do I offer as a Full and Final. Partner is my donor and cannot get anywhere near the £1...