There may be a clause to the effect that Stepchange can accept an offer without going to creditors, this will have been inserted by Stepchange as, until the latest 2021 protocol, introduced in April, the Standard Ts & Cs were not written this way. In post April 2021 versions, using the new terms, t...

I'm sorry you're having such a hard time. As regards a full and final, it is your offer to be put forward and Stepchange should do that. However it does have to go to the creditors. It is them who will decide whether to accept or not, the same as with your original proposal. Thank you Kallis, hopef...

Thank you Foggy. It really is soul destroying. Just when I thought things were going right it’s another hurdle and more stress and anxiety. I haven’t slept well and have felt constantly sick since finding out it isn’t as straightforward as I thought. It really does feel like my life will be on hold ...

Hi again, so I had a conversation with Stepchange today, and my understanding was correct, they would use the entire household income/disposable to work out my new payments. While they were helpful and sympathetic to my complaining it was unfair, those are the rules so that’s that. My partner would ...

Yes that is how I read it, and the fact that my income would reduce by same amount due to loss of benefits should theoretically mean my payment remains the same.

Hi, I current pay £162 into iva, so around 8k left to pay. Car finance is £127 ends in July but there is a ballon payment to be made for which a provision that I would refinance was made in my iva. Yes my partner has a car we both drive to work.

Yes that was our thoughts too. In the event full and final is not an option, I have just found an email from stepchange from prior to my iva being accepted with creditors requested modifications as follows: If any instances of co-habitation with the Debtor by any person aged 18 or over occur during ...

Thank you for your reply, can I just say this forum has been invaluable to me in the last year. Every question I’ve had Ive been able to find answers to which was a great help during a very stressful time. I’m answer to your reply I would no longer be in receipt of benefits if he moved in as our com...

Hello, advice needed please. Currently in an iva with stepchange. I live alone with one adult dependant and one child. Income is my salary, universal credit, child maintenance and adult dependant contribution. We are considering my partner moving in. He would contribute 50% toward the house related ...