You still have 3 years to go before you can properly sort your credit rating out.

See my video here for details:

https://youtu.be/PV4RzUY4BRM

Hi

I have done some research and it may be possible.

Many documents will require a residential address, so an address would need to be decided upon and the address used by the debtor for the creditors would need to be disclosed.

I don't know but will try to find out for you.

Yes it is a standard term in many IVAs.

I would be concerned that your IP has given you the wrong advice in the first place...

You will need to pay the monies into the IVA, once received.

If your IP is dragging their heels you might like to complain - see my short video here for details:

https://youtu.be/l1wqUbNeW00

The broker is not using quite the right terminology but your release/discharge/completion date with be the date on your completion certificate, once received.

I suspect the account will be frozen in any event due to the IVA.

Your IP should be able to add them as a creditor to your IVA.

Yes - check your terms and conditions and remind them that they only have 21 days to call the creditors meeting to consider the variation...

The Official Receiver will be your Trustee initially. They can then farm it out on a rota to a private IP to replace them, or creditors can vote for a replacement but most cases are dealt with in-house by the TIB. The costs will be more than £10k in Bankruptcy if the property remains to be dealt wit...

£10k sounds reasonable - it will be up to creditors to decide. The more attractive the offer, the more likely they are to accept it. If they reject it you could always put forward an increased offer, or pay a few more contributions and then when the balance is a bit lower put it forward again. Bear ...

You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
Noddle, Clearscore and Totally Money are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
https://www.totallymoney.com/

You should have come off the register last year...

Check here:

https://www.insolvencydirect.bis.gov.uk/eiir/

Are you in an IVA or exploring it as an option? As the others state you always owe 100% of the debt together with interest and costs but you pay back what you can afford of it. If the IVA completes successfully then any unpaid debt at the end of the term is written off. Have you taken any advice fro...