Hi I posted a couple of questions earlier this year with regards to making a F&F offer. My offer of £5000 was accepted and I couldn't be happier! This means my creditors are now getting 27p to the pound instead of the original 68p. I count myself very lucky and hope this provides hope to others thin...

Thank you very much for your quick response and help.

I've seen in a lot of topics that you need to state a reason for making a f&f settlement offer, but what kind of reason are the creditors looking for? I have been offered a lump sum to clear my IVA and obviously want to make them an offer but is that reason enough? Please help! I am writing my offer...

It's with Mortgage express.

Regards.

Thanks for your advice, much appreciated.

Thanks for your reply.

The money would be a gift from my employer.

If the offer is accepted and when completed, do you know how long the IVA will stay on my credit file as I am wondering how long I will have to wait before attempting to remortgage?

Thanks

After having an IVA for just over 3 years I have only just discovered this forum and have found the advice very helpful but would like to see if anyone could help with my specific scenario... I have had an IVA with BE since February 2006 and it is due to end in January 2011. My total outstanding deb...