Hi David, I have done. I chatted with them several times regarding this. I made them aware that I can afford the reduced payments as pointed out previously. The girl I spoke to said she would speak to the IP and come back with what they thought would be the way forward. So I am just going with what ...

Hi Melanie, thank you for answering. I accept that this may be the case, hence my intention to still be putting the reduced amount until they tell me something different. My biggest query is why they would tell me stop paying completlely with imediate effect while they sort this out (which is why I ...

I can't afford my original payments, but I will put aside the money I can as per their budget that they have advised me would have been the alternative. I said I was okay to do the reduced payments with an extension if necessary, but asked about the option of asking for paid to date completeion, and...

Yes, I had planned to do that anyway. But then wouldn't I then be covered from having it in writing from her? If it all goes well and they accept, I guess it would only be one or two months anyway.

So far so good. Finally got an answer. They are going to go for a paid to date meeting for me! One thing that puzzles me is that she said for me to stop paying them any more money with imediate effect. (Is this normal?) I did get her to put that in writing to me to confirm it too. She said it will t...

I rang back again, got through to a differnt person. Explained what I wanted to propose only to be told that was pretty much not possible either. I explained that I had had some advice from serveral different IP's today and that all of the different things I have offered are all viable, I then asked...

So I should go back and ask them to propose the reduced payments of the £210, but with the request of possibly no extension to term based on payments to date and increased dividend?

My original payments were set at £317, then they quickly did a modification to suspend my company pension payments, so it went to £402 from my first payment. Mid 2007 they went up to £430. Within this, as part of my 50% I have totalled £15.5K extra into the arrangement. FYI: My creditors are as foll...

HI Melanine, It's not actually a problem, it's just one of those emotional milestones that was in my head and heart, finish in October and get it done. I will take the weekend to think about what I shall do and speak to them again next week. Is it reasonable that offering a F&F of essentially the re...

Right, I have just spent the last 40 minutes on the phone to my case officer at payplan, and it doesn't look good. We went through my I&E and worked out that I have approximately £210 surplus now vs £430 per month. They said I could look at doing the following: a) pay £230 a month but extend the arr...

Thanks all, I will update on Friday either way and let you know what is happening.

Thank you, I rang them today to talk about something else (online system said I was behind on payments, but it is just the bank holiday) and I asked about the possibility of proposing the end of it now when we do my I&E on Friday, the case worker I spoke to said it was quite possible given my paymen...

Honestly, it's been a long hard slog at times. I had moments where I wished I'd just gone BR in the first place, but I felt an obligation to pay back as much as possible. After all, I spent it one way or another! I've found in the last year my IVA company haven't been that quick in getting back to m...

Sorry everyone, I spotted my error! They had listed my 50% extra payments as seperate listings even when they were on the same dates as my standard monthly payments! So I do have another few months left to go.

Thank you for the prompt reply, they are due to ring me on Friday, but I will ring them tomorrow to get it sorted.