Update - had a phone call from GT last night - IVA has NOT failed and they are resubmitting my F & F offer. Fingers crossed it goes through!

Thanks James, those were my thoughts totally. I didnt want to end up in a payment plan with one creditor to then find another pops out of the woodwork. I would rather not go bankrupt as, in the next few years, we are thinking of getting a mortgage. I was under the impression that making a F & F offe...

my new partner has an excellent credit rating with no debts whatsoever, would it be a wise move to ask him to take out a £3000 loan to offer F & F and be done with it? What do you think?

I phoned the solicitors who claim to be acting on behalf of GE Capital and Barclaycard. They said that I owed £5278.28 - no idea where this figure comes from or what it represents - as I said, I have no idea who I owe, Grant Thornton was going to sort that out for me. I phoned the solicitors and the...

Am in huge pickle... took out IVA with Grant Thornton in June 2006. At that time I was married, renting and my husband and I had about £35k debt. GT suggested a payment of around £300 per month. In 2007 (one year into the IVA) our rented house was flooded and we asked for a 3 month break. We stopp...

Yes I must say Jennifer was very clued up and very encouraging - was a pleasure to talk to her - fingers crossed all goes well - thanks to all for your support

thanks so much! Lets hope the creditors accept the offer and I can move on.

sorry, got cut off from last message - it seems they can split the IVA and that I am able to offer a lump sum to MY creditors to clear my IVA. Also, they will contact me ex husband to tell him that he has to face up to his part of the IVA or it will fail. I feel a lot more positive now

Had a brilliant conversation with Jennifer from Grant Thornton last night. It seems that she was "monitoring" the conversation I had earlier with Chris and she wanted to clarify the facts. GT ARE able to split the IVA and I WILL

I know exactly what you mean about new IVA more charges etc. Does it also mean that, when I do get married, my new husbands income will be taken into account?

Another point - have just been reading some other posts and they all seem to mention an "annual review" - I haven't had an "annual review" since 2008? Am getting extremely twitchy now ......

This is GT response: "As I said during the call, the IVA can be split, but can not be split to use the option you are putting forward which is offering a lump sum. This is something the specialist advisor will go through with you in much more detail during the appointment." Does this make sense at a...

The IP used to be Grant Thornton, it now shows

Insolvency Practitioner Unit
Contact Enquiry Desk
Address Cannon House
18 Priory Queensway
Birmingham
United Kingdom

All a bit worrying for me as I say - I have no back up paperwork

Have decided to be pro-active and have just emailed Chris Haine directly and asked him to clarify once and for all whether it IS possible to split the IVA. Will post his response!

Hi Ginger3232 - Not sure who my IP is officially as I don't have the paperwork (my ex set fire to it when I left him!) but the Supervisor is Gareth Neill (had letter from him about issuing a Termination Certificate). On his letter he states that I should contact Catherine Varney - who I emailed expl...