Thank you all for your lovely words, to be honest i'm still in shock and keep getting a bit tearful because i can't believe it's over. Don't worry i plan on celebrating hugely with a really nice bottle of red!!

xxx

Hello everyone! Just to let you know that my offer has been approved!! I'm so happy and so relieved, i feel like i can start my life again. The people at Bridgestones were fabulous and i'm so grateful to them and all of you for your help and support. Good luck to everyone, take care and lots of love...

Hello everyone, Well i'm just keeping you updated. My review meeting has been set for 26th March! I ended up putting an offer forward of £2k instead of £4k after heavy discussions with my IP which i was surprised about. This would mean a dividend return of 15p in the £1 as opposed to 25p when the IV...

Thanks Melanie, i just can't raise anything more than that, i feel terrible asking my best friend to lend me the money and just can't get any more than that. I think i will put the offer forward and see what happens. Fingers crossed and thanks for your help. I will let you know the outcome.

Thanks Melanie, i do understand what you're saying and i know they can always choose not to accept it. The problem i have is that i work in financial planning in a predominantly supportive role and it is a miracle i got this job based on the fact that my iva was in place. All financial companies do ...

Thanks Jan, appreciate all the help i can get!

xx

Hello, I have posted on here previously about full and final settlements but have now finally come up with a figure which i'm hoping will be accepted but just wanted to run it past you wise people. As i'd mentioned before, it looks like my job could be in jeopardy. I just want this IVA finished. My ...

Thanks Michael,
I had a meeting with my boss last week and it looks likely. Would i have to wait to find out that this is definite before making the offer of settlement or could i pose the question now?

Hi, I am currently coming up to my 3rd anniversary of my IVA. The original debt was £38k and i pay £260 per month which would equate to £15,600 at the end of the 60 months. I think this equates to 25p in the £. The problem i have is that it looks like i could lose my job (due to the current financia...

I have just sent an email to my IP asking again for clarification, thanks for all of your help. Melanie, can you please let me know your thoughts on my subsequent question about settlement: "I am considering offering a settlement of around 6k to 7k. My original debt is around £38k and i am paying ba...

Really!? Wow that is good, i would never have thought of a figure so low. Thank you very much for your advice!

No i haven't, good advice, i will do that tonight and let you know.
I don't suppose you have any advice on the settlement question do you?

Hi indebtforever,

Yes when i first spoke to my IP about it he said i could keep the £500 and then pay over the excess. Now he has changed his tune and said i have to pay everything over. I don't really know what to do other than dispute it again.

Fingers crossed for you too! Keep me posted on how things are going for you. x

Thanks rayb. I think i will do that tonight when i get home. I just really want out of it now, hopefully by settlement. x