Hi all Hope you are all doing ok during this festive season. Nice to see everyone helping eachother out here. I have had an IVA, and full and final settlement rejected through a third party company. I am now contacting my creditors individually to offer full and final settlements, and 2 of the credi...

Hi
Has anyone tried a face to face meeting with their creditors to make an offer to pay a sum of money to write off their debts?
And if so what percentage did you pay?
Has anyone got any experience in this field?
Thanks.

It's an IP.

Thanks for this - I have to say Im a bit confused now, or I may be misinterpreting the posts... So does that mean that my proposal should never have been put through ? I was told that all of my creditors are known for accepting IVAs. I asked of the likelihood of my IVA being accepted, and I was told...

Mrs Skint, fingers crossed.

Thank you Julie, thats good to know. I am also a young debtor - I cant talk about this to my parents so I appreciate your wisdom and support.

Thank you, you have been of great help.
I am sitting here projecting positive thoughts to my IP.

Hi Many thanks for your posting. Yes they have seen a breakdown of my expenditure but the creditor is now asking to see receipts/ proof of payments within that section. ie they want to see proof that I pay £140 to the council tax each month etc. I did complete that form over the phone with my IP, an...

Hi Im a bit reluctant to say who Im using, only you never know who is reading these posts - sorry, I dont want to jeopardise anything. i hope you understand. ;( All my other creditors accepted my proposal.I have had 2 rejections - I am missing that 27% to make it up to the 75%. I have been told that...

Hi thanks for the help. My IP is writing an email to the main creditor to negotiate and has told me they will contact me by the end of the day to keep me updated. Ive been told if my IVA gets rejected, the only other options are a debt management programme or bankruptsy. I cant quite believe it as t...

Thanks so much for your replies, very grateful. Yes I have had my creditors meeting about 2 weeks ago now. Yes I heard of the 'acceptance' through a creditor, not my IP. We were asked to include my spouses salary in the expenditure report to the IP, but I dont believe that this was forwarded on to t...

Hi I've just been notified that two of my creditors have rejected my proposal - one of which apparently always rejects IVA's - something that Ive just found out through the solicitors handling my case. The main rejector, which is the bulk of the debt, says that I should be using a debt management pr...