Reasonable F&F offers often get accepted by most creditors -- it saves them time and administration costs, gives them a "bird in the hand" and allows them to write off toxic debt from the books a few years earlier. Whisper is that this paperwork issue will be sorted sooner, rather than later - let's hope this is so.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk