Hi, You can offer to pay it off but to be honest, by the time it has been sent to the creditors and been accepted, you may well have finished anyway. You can tell them of your situation and ask that they take payments made to date to finalise things. One of our posters on here managed that with his ...

Have you checked your credit rating to see if your IVA is down as having completed? When is your six years up as it will remain on there until then.

Be wary of making too many credit applications - always best to do a soft search first which won't show up on your credit file.

Excellent news!

Agree with Breezy - I don't think you need to worry. Perhaps keep on pestering them and they may get fed up.

Fingers crossed!

The only one I ever did for money was YouGov and that only pays out £50 a time and it takes a long time to get there.

The others are for gift vouchers which don't show up on your bank statements. As for playing games for money that is a form of gambling and would be frowned on by your IVA company.

It will show up on your bank statements and I think your IP company will query this. I don't blame you for what you are doing but you're not supposed to save money for Christmas etc. I financed Christmas etc by doing online surveys for gift cards all the way through my IVA and I still do them now.

You should have an allowance for things such as school uniforms but if you are taking out that amount of money which obviously not been spent on necessities then it probably will be queried and you may find that your IP company will think that you can pay more across to your IVA.

Let us know how you get on.

Hi,

Not sure how this is going to work but you need to speak to your ip to see what they say about this.

Sorry to hear of your health problems. You need to let your IP know of your situation and the reason why you wish to make a full and final offer. Don't call it a settlement as this means you need to pay off all of your original debt, not just what was agreed with the IVA, plus fees and possible stat...

Keep pestering them - it hopefully will be here soon.

Hope it comes through soon.

40 would be too hot for me! Please do keep updating us, it's always good to read how people are getting on with life after an IVA.

Debt Management are the company, there should be the name of the actual IP of the company on there