So guys just wanted to give you an update. So after 3yrs just over of the IVA I was able to make a full and final settlement offer to the creditors and it was accepted. So will wipe out the Iva / all my debts and remove the house equity clause on the original agreement so il be free. Foggy and others really helped a lot with this for me and luckily il be able to now get my life back on track . Making the F&F offer was very easy just nerve racking if it was going to be accepted or not but all creditors said yes.
It’s been a tough road but id never have got out of debt without it so I’m pleased .
Thanks buddy and really appreciate your help. Just in case it helps anyone . I offered roughly 10% of the outstanding IVA total debt as a F&F payment and was accepted. Hopefully that might help some people in the future.