Thanks for all the advice! Makes sense, sorry I didn't see the part regarding the full settlement of debt, thought it was a full settlement of the IVA balance whereas a F&F would be an offer on the remaining balance etc. With regards to the bank satements, I've looked through my agreement and it doe...

Also I just read through my contract there is no clause stating I can settle early. What is the main different between a settlement and full and final offer? If I were to talk to the IP about paying it off tomorrow for example would I still need to go through the review procedure etc? Thanks again

Thanks for this! I didn’t realise that there was a difference with regards to permanent payment increases vs a bonus etc. So does this mean that the full and final offer would increase if I waited to make the offer once my review is completed? As essentially the amount that I’d need to pay in to my ...

Hi all, So I've been given a new Job with a pay rise which is great, I've only been in my IVA around 5 months, the pay rise is around 8% so below the 10%. I told my IP today and they want a break down of the last 3 months bank statements which being honest, I wasn't expecting. My partner and I have ...