Marleymoo,

Thanks for the reply. I'm with DFD so I know how long they take with things. Is the any particular reason why it took so long ? I believe that a F&F can be completed in a matter of months.

John

Marleymoo, Great to hear that you had the F&F accepted. I'm with DFD and in the process of making a F&F offer. One of the posts on this thread stated that they would need 3 months of bank statements and pay slips. Is that the case or do they make the decision simply based on your offer against how m...

Andy,

I've added you as a frugal friend but not sure what you have to do !!

Skippy, thanks for that, have added Andy.

Andy, Thanks for that but sorry to hear what happened. Hopefully it will be resolved soon. My email is ***email removed*** I can't mail you directly from here but if you are good enough to mail me I will reply with my query. It's work related and don't wish to discus it in a public forum. John ***Pl...

Chris,

Did you speak to DFD about a discount on the supervisory fee as the IVA did not last its full course ?

I'm interested as I'm a similar position with DFD.

John

Good luck Andy,

Would you mind if I sent you a private email ? It's work related.

John

David,

Thanks again for the advice.

John

David,

Part of my initial query was if I made a settlement offer to the creditors and they declined it would they quote a figure they found acceptable or simply decline it and wait for a potential better offer from me ?

I'm with Debt Free Direct.

David, Thanks for the prompt advice, I wish my IP was as quick to reply ! My IVA was for £19 K, I'm 7 months into it and have repaid £ 2 K. The lump sum will come from a family member who I will repay. It's in my interest to settle with the least amount possible as I will have to repay it but I am t...

Hi Jan, Thanks for your welcome and your prompt reply. I've been in touch with my IP and they won't commit on what they consider acceptable other than somewhere near the original dividend, which is £17 K. The problem is that I can't raise that sum and there seems little point offering a settlement i...

Hi, I'm in a fortunate position in that I may be able to offer an IVA settlement from 3rd party funds. I've done my research and know a bit about the subject but would appreciate advice on the following: 1. If my creditors decline to accept my settlement offer would that be the end of it or would th...