www.iva.co.uk

ok marras you got to be sick of me now so here is my last attempt
i have been in an iva over 2 years the amount to pay creditors + fees was £33,300 and i have paid £15,110 in to it i have another £18,190 to pay i am thinking there will be 3 k saving on fees so =£15,190 by the time of the variation i would think i will pay 2 or 3 months more total £1,665=£13,525 so do you think an offer of £8000 would be enough?? all my debts have been sold onto eversheds i make it about 5k short of what the total i would have paid after 60months this includes fees and they are receiving cash nearly 3 years sooner

any positive vibes or is my head in a spin??[xx(]

You ask as much as you want to - that is what this forum is all about!

Sorry - I don't think that your offer of £8k against £18k is viable, unless there are good reasons why you cannot continue paying under normal terms. What is the reason for the early settlement?

hi melanie you never fail me i am to move from a shift job to a day patern due to work load 3 shift pattern no longer needed i am guaranteed my allowance for 2 months after i finish shifts but then its a drop of nealy 10k and that is a lot of money trying to juggle the iva and living costs i dont know what to do [xx(]i cant get anymore than 8/10k i was hoping another 3 payments would take it down 1.5k and minus some fees if they dont accept its over[V]£800 a month down on days

I gathered all of that from your earlier post. If you can demonstrate that your income is going to reduce quite significantly, and show a revised income and expenditure account based on tht, then £8k may well be a sensible settlement.