I will shortly have paid full amount of "admitted" debts back into my plan, what is the chance of these unclaimed debts being submitted in this final few months.
I have been through four and a half years of paying substantial amounts each month and just beginning to get excited

Hello all and thanks for your advice our IP has now agreed after pulling teeth to put an offer for F&F at 21k so fingers crossed. Thank you again will keep you updated.

we see it at the moment as a way out of the awful feeling you have being in an IVA but it seems they could keep taking more and more. Its mind boggling and no straight clear answer....can anyone prepare us for the worse case senario. If they take the lot say 34k can they keep asking for more even th...

Thanks foggy. Its just a very difficult situation we could end up with nothing and no job if he takes redundancy. They will take his company csr too so we'll have no car. He wants to take it just wish IP could help more. They say cause they cant garauntee anything and the risk us down to us to take....

My IP also says it could take longer than 4 weeks. Is this true? Thanks for your help so far its very much appreciated. Also can they somehow jepordise our FF in anyway. I feel the IP has the power to do what they want anyway i.e drag it out so we have the money before the offer is accepted.

I am very confused indeed. Shall i make a demand for the 20k It has been over a week now since we have tried to but the IP has been confusing us with a lot of info.. MY IP wants a definite figure this can not be given to themr in writing until the 12th on the day he makes the decision and then my hu...

Thanks Andy , you say you think the creditors would accept the offer , my biggest concern is this - my redundancy meetings begin on the 12th March and my final working day is to be the 30th March, I would need to give my definite answer on Voluntary Redundancy around the 19th and I could not go back...

The IP also said its a risk offering 18k ss if they refuse we csn fail or default words to thst effect. It was a confusing overlisded conversation. Thanks

Hi foggy thanks gor your advice. Just an update. We are very confused i offered the 18k on the provider my husband will then take the redundsncy. We spent an hour on the phone to IP explaining that this is the offer and no more. My IP was taliking out of it and i dont understand why she wont put off...

thank you foggy. If i offer 18k which would be what i would be paying if it ran its course with no change in circumstances. If they agree to that as a full and final is that all they will take. I ask this just incase he is offered more redundancy money as this is an estimate and we wont know the fig...

Hello, well i am in a bit of a puddle. My husband has an offer of voluntary redundancy of about 30k we owe 25k at 100p in £. Our original debt was 44k and we have been in IVA for 26 months and pay 62p in £ plus bonus overtime and ppi paid in. we are stuck on whether to take redundacy.....but what wo...

Thank you I am going to speak to my IP tomorrow but thanks for the heads up.

Hi can anyone give me advice on a marriage split and a joint IVA. We are 2 years into the IVA we both work owe 35000 and have a mortgage and we are paying 70p in the GBP. Have about 20,000 equity in house but no plans to sell as have 2 children at home although they are not dependents aged 17 and 21...

thank you. You make so much sense just having a panic moment. xx

i owe 40,000