Hi melanie Thank You for your reply. Well if there is so many disgruntled members on this forum then that should speak volumes. Yes we get to write off a large amount of debt, which I might add in most cases, does not mean we led lives of luxury at the expense of our creditors. For what ever reason ...

Hello Melanie Thank You for your advice. If I understand this correctly, If I pay the remaining balance and it is drip fed until January 2008, Then I pay no more than is left on my payments. If I pay the full balance today, then I face further having to increase the remaining payment balance in case...

Hallo, I have just received a reply: The reply was: in order to accept a settlement we would have to convene a meeting of the creditors to accept the settlement of the i v a with the full balance being paid and this will incurr extra costs and therefore less paid to creditors. My question is this: d...

Hello Melanie Thank You for a swift reply to my post and many thanks for the invaluable information you have provided. I found this site today after a long search for information and advice for serving I.V.A `s and cant tell you what a relief it is to gain some honest and straigh forward advice. I w...

Hello I am currently involved in an I.V.A which has just 12 months to run. I have a relative who is offering to pay the balance on this agreement in full, which has 12 payments left. I requested a balance statement from my I.P and to my dismay.....was told that they will accept such payment in full ...