Thanks Kallis, yes im aware of that but we can now start moving on with our lives. Its the first time in a very very long time that my wife is in a positive frame of mind. That is worth more than anything. Thankyou for your advice and replies, its really appreciated. I will stay on the forums and ho...

Ok so our F&F offer has been accepted and we made payment this morning. Melanie has said she will try and get it all tied up over the next couple of days. The relief its all over is incredible, we feel alive again and the stress of it all lifted away

Thanks again Kallis i will keep you updated

Hi Kallis i spoke with them last week and they are going to arrange a creditors meeting asap ! They have all the relevant documents from me but have also asked me to do another expenditure form. Im confused as to why i need to do one as we have offered them the full outstanding payments left (8 mont...

I think your right, i have tried pestering them but i think they are so understaffed atm. My ip always answers the phone but she seems to be so busy doing two jobs die to staff shortages and i feel bad hassling her atm

Blimey i thought it would be a couple of weeks not months. I need to press them then as they have already started letting people go at my wife's works

My daughter has sent in all her id paperwork etc. i have mentioned that my daughter will only pay the F&F if it is agreed by creditors. Also the reduction of the F&F pro rata, taking into account further monthly payments until it is agreed and the F&F monies paid. Just waiting on my IP now to get th...

Thanks Kallis. We have 9 months left at £601 a month. We have offered the full outstanding 9 months payments totalling £5409 plus the variation fee of £500. Is this likely to be rejected as its exactly whats left on the outstandind payments. My wifes job is up in the air atm, so we want to clear the...

Also we are offering the full outstanding amount left on the iva plus there is a £500 fee because it is a variation of the iva/paperwork. If we (my daughter) pays the full amount up front to my iva company before all the paperwork is done and offer sent to creditors. Do we stop paying our monthly iv...

Thanks Kallis, do you have a name or contact details for them

Hi Kallis and thanks for the reply. I have spoken to them and tbh they are helpful and have offered the 15% reduction but that wont really help. Also id rather just have it finished asap, however i didnt realise how long it takes (upto 3 months) for it to be accepted. By this time the money we could...

Hi all, we are in our last 9 months ( year6) of our iva. Never missed payments and never asked or had a reduction. We pay quite a lot monthly into our iva. We have 5000 left to pay making our total paid around 46000 in total. However we gave been offered money 2900 by our daughter to make an offer t...