I've looked over my documents and the amount actually going to creditors is around £1800 and the remainder fees. I am considering a F&F as my personal circumstances have changed massively. I've kept them upto date this far but when I have any queries regarding anything like this I never get a straight answer from anyone.
I would like to know if it's possible to make an offer this early and also if I am to offer would I just be making an offer to the creditors? I.e. the 1800. Then fees separately with the company dealing with my IVA themselves?
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