Well done on having your full and final agreed. It can take a while until you get your completion through and of course don't forget that your IVA will remain on your record until your full six years is up.

Personally speaking I'd hang on selling the house until you get that piece of paper!

Hi,

Lots of people (myself included) have done a full and final offer to finish early.

Can I ask where the money would be coming from?

Hi and welcome, It is 75% by value of the creditors who vote on the day of the meeting and all others are then bound by it. I would say though that this loan is relatively new which might make a difference to the vote. If the answer is no then you could think about a Debt Management plan in the inte...

Send them a copy of your completion letter and tell them to remove the default otherwise you will make a complaint.

Have you thought about applying for motability for your child?

Do give it a try - can't hurt. Do give the link I posted a try. The advice is good. Let me know how thing pan out. I am on the other forum as well but under a different name as are several others.

Sorry about all of these problems but Ebengate are not being good at the moment. Double check on the IR to see who your IP is now as I believe it mave changed.

Just to let you know that this site is not constantly monitored now. Try this one now https://theivaforum.co.uk/forum/

You could ask that the IVA be closed down with payments made to date due to the circumstances, If it fails you will be back to owing the full amount to your creditors but you could set up a payment plan with a different firm and although it will take longer to pay off it should be better for you. Ca...

It maybe a glitch in the system - just keep an eye on it.

You should try and offer as close to the original amount as possible but you can but try to make your offer. Don't forget you will have fees to pay on top and it will take a couple of months to go through.

That's fabulous news Adam - so glad it has worked out for you. A great early Christmas present as well.

Good luck for the future.

They wouldn't put it through if they didn't think it would be accepted and I, personally have heard of one being rejected. I think you will be fine.

That is too much for a DRO. I don't know if companies are required to renegotiate. If they have said no then that might be it and, as you have said it's their loss.

It is up to your IP to chase Plend who do sound like a nightmare of a company.

With Bankruptcy you may well have to pay an Income Payments order depending on your disposable income and your credit record will be shot for 6 years, same as with the IVA.

Keep talking to your IP.

Make a complaint to the relevant authority - tell your IP you are going to make a complaint.