Hi everyone, just to let you know that my full and final offer has been accepted! Yay! Thanks to everyone for their support and advice xx

awww thanks guys

Yeah thats the thing Melanie, the only reason is my Dad has offered me the money. What happens if they say no, it seems to refer in the paper work that if creditors dont accept I will go bankrupt!

Hi everyone,

I have just had the paperwork for my full and final. I was paying 68.7p in the £ and has gone down with the full and finl settlement to 49.8p. This seems like such a big drop. I just wondered if anyone had any experience of being accepted with such a drop.

Hi everyone, just thought I would run this past you. I have spoken to my Dad and he has offered to give me some money for a full and final offer on my IVA. I have found living on an IVA very difficult. The firm are not flexible and refuse to take some expenditure into account and due to this I have ...

I am pretty sure managed loans are bad news. They take a really long time to pay off and the interest is not great. Your credit rating will be shot also, I think.

I am considering doing some tutoring for some extra cash. At annual review I assume they will take it all off me rather than 50% and in that case I shall stop doing it.

I am with expert financial solutions but my IP is at another firm. I cant find anything in my proposal about a missed payment. It says about not declaring extra income as a breach and the supervisor should report to creditors how this will be sorted but nothing about missed pasyments.

After reading many posts I decided that when I needed to sort anything out with my IVA, it would be better to email my IP directly. I asked about missing one payment to cover some neccesary costs on the house. He emailed back saying the guy who deals with my IVA on a daily basis is away on holiday s...

Its now Martin Maloney. Any ideas who he is Melanie?

All I would say that if you're not happy or have reservations, look at another company.

Yeah I couldnt find them either which is strange. I also can't find ahy information about my IP. HE's not listed on iva.com.

No not at all. They asked if I could pay the first ppayment upfront to show creditors my commitment to the IVA. I said no, they said okay and I paid it when the IVA was accepted.

They refer you to a company called Expert Financial solutions. Like I say they have been absolutely fine but I have not needed to talk to them about any problems.

I am with them and they have been okay. No problems. I paid them the first payment when the IVA had been accepted.