Well done of getting it all tied up and completed. A creditor might appear on one or more or none of your credit files, from the different credit reference agencies, so you need to check them all. As long as a creditor was named in the IVA proposal and the IVA confirmed successfully completed the d...

£6,000 offer sent. Fingers crossed. Best of luck. Just a (late) update Foggy. Offer was accepted in July. Received my completion certificate last week. So relieved it’s all over and I can now move on. One question I had if you know - some creditors didn’t submit a ‘PDO’? All correct account numbers...

£6,000 offer sent. Fingers crossed.

Hi Foggy, thanks for your reply and info! Yeah sorry, not settlement, offer! I wasn’t sure just because of overall debt amount and because it was early but I’ve read other replies from you about it reducing creditor admin costs over the remaining 5 years. I just didn’t want to offer too low then it ...

Sorry just to add, actual debt amount at start of IVA was £12,000, if that makes any difference.

Hi :) Currently 12 months into my IVA (6 year payment term, negotiated up from 5 during initial creditor meeting). Paying £80 per month. A relative has offered to pay a full and final settlement. I have 60 months left @ £80 = £4,800. The reasons for wanting to complete the IVA early are my mental he...