www.iva.co.uk

Hi, about to offer up a f&f paying back the original dividend of 41p....

My reasons being due to change in circumstances, which are spliting with g/f and having to move. Rent has increased as has other bills. My options are reduce IVA contributions or family are willing to help with a lump sum an I pay them back. My IVA company has told me the figure that needs to be paid.

Just wondering what my chances are of the f&f being agreed....

My creditors were - Northern Rock, BOS, Halifax, Virgin, Egg & Mrgan Stanley. Most of these have now sold my debt on to Max Recovery Ltd.

Do you reckon my F&F will be accepted? I will be returning the same dividend.

Also apart from a letter explaining my reasons for a f&f and the payment, what else will I need to provide?

Can's wait to get things cleared and my credit file back on track again.

Thanks

I've read on here that your cedit history stays put for 6 years from commencement of IVA, whether you pay the F&F or not. I think it's unfair, but I suppose it's to ensure that you don't get on a sticky wicket again.

Good luck with your acceptance.

I am sure that you will be successful on the day - where is the money coming from as a matter of interest? If your IP has appropriately explained the change in your circumstance, there should be little difficulty in persuading creditors to accept an earlier repayment.

Do you have a date for a creditors meeting yet Aaron?

Debbie

Hi, thanks for the replies. My mother and/or my older brother will help. No date set...am still deciding what to do and instruct my IP accordingly.

Thanks again.

Good luck ... and keep in touch

Debbie

Hi
Looks like certain acceptance
Regards