If you offer the full amount it is unlikely they will turn it down. However they may want more?

I think they will look at taking a lot more than £7k?
It depends how much you are paying in the £?
It's nit as simple as offering an amount less than £7k

Just remember your not paying interest while millions of people still are.
Don't count the months. Forget about it. It goes quicker than u think like most things in life. Don't let it be a big part of your life tho!

Get in contact with MelanieGiles. She is great.
IVA saved my life
Don't be afraid of it.

Most improtant.
Write to all your creditors to put holds on the acounts because you are gettng advice on resolving your debt. Send recorded, keep copies.
Good luck

Hi all. Thank you for all your kind comments. Martin. The F&F came through officially Wednesday and I was off the reigister the very next day! Unfortunately I cannot get any account. On the phone I was accepted but when I went with my ID to the bank I cannot get the merest account. I have put a comp...

I just checked the Insolvency Register and our names are removed! I've also got the certificate of completion which was a joy to read. This is such a great feeling I can't tell you. I have to say, without this forum I couldn't have done it with a year (more likely 2 years) to spare. Thank you so muc...

I was stuck with a saving account which has just stopped allowing direct debits. I've struggled along without a proper account cos of my IVA. I applied again today (IVA F&F settled) and been offered their top account with all the trimmings. Even a CHEQUE BOOK lol. I've forgotton what they look like....

Thanks. That's a great help.

what was he on about then?
So how does it work then mate.. Once I get the certificate, I'm off the register?

Don't go to supermarket hungry.
Always keep a list.
Don't underestimate other expenses like Car tax, petrol, haircuts, car/house reapairs and such. I have a great list of all that stuff.

be careful. Budgeting becomes an addiction.
Well done on getting an IVA. It is very scary but very worth while. Remember, never panic if your circumstances change, just keep them well informed and there will be no problems at all. Good luck!

i think thats what he said. The creditors get the paperwork and i have to wait for them to take me off the register?

i got hold of one of the managers.
Apparently the Cert is being sent out today. Here's hoping!
I was told the creditors are the ones who take the details off the public register. How long will it take not to have my name up in lights anymore?

thank you

it turns out the names I kept being given were advisors not IP's :-/