Hi, and thankyou for the reply. I did not realise that it did not always go into the paper anymore, that was why we agreed to the IVA last year, as it was advised as the best option since we didn't want it known. We have no assets and do not own our own home. We have spoken to other companies who ha...

Hi everyone. I posted a question yesterday about full and final settlement offers on my iva.Having been told that the amount we were thinking of offering probably would not be enough, I was just wondering what you can all tell me about bancruptcy? We initially disgarded this as I did not want my bus...

Hi Vickilou, I was trauling through the forum, and came across your post. My husband and I find ourselves in a similar situstion as you were in. Could you tell me whether your offer of F&F was accepted? Sorry to be nosy, but just really worrying about what kind of offer to make to our creditors for ...

Thankyou Lesley for finding that for me. your advice and the information in that post does clear alot of things up for me. I think that my IP gets a total of nearly five thousand over the five years, so that means 1k a year. I have paid £2400, so my creditors will have received around £1400 so far. ...

Hi both, and thank you both for the warm welcome, and advice. I will wait for the experts to come, and hopefully they will give me the information I need!! Thank you Mrs Knight for the info you've given.

Hi, this is my first post on here. My husband and I have been in an iva for a year now. We pay £200 pounds a month, our original debt was £21000, and when our 5 years is up, we would have paid £12000. My husband's job is no longer secure, and we will find the payments too difficult to manage on my w...