I too have been asked to provide a reason in my letter to my IP. Do the creditors see this letter? The main reason is that I want to be shot of it if the opportunity is there like most people I would guess. I am however considering a career change which if I took the dive would see a decrease in my ...

Melanie, thanks for that. Hoping my IP will be clued up on that and advise me as soon as offer accepted/rejected so I can consider offering more if required in that time available.

Thanks Paul, writing everything up over the weekend and submitting my offer. Really hope it goes to plan

If my offer for F&F settlement gets rejected, can I go back and offer more / offer the same having paid more contributions. Will the fact that if first offer was rejected go against me?

Might sound a stupid question, I am just a bit unsure and want to be confident before submitting my offer.

Hi again fellow IVA'ers. I know I posted here recently and I've read through about 10 pages of posts however I'm still confused. Easiest way to present my query is to replicate on here the 'estimated outcomes' page that I had with my latest annual review and what my creditors will have seen. Sorry i...

Thank you all for your advice, much appreciate it. I hear what your saying about interest, however incorporated into a loan my parents are taking anyway it would bring payments down at least half, and they are willing to pay which I am obviously most grateful for. One of the main reason’s I wish to ...

Please could someone advise re making an F&F Settlement Offer. I’m with G.P and I’ve rounded number’s to make reading a little easier. I’ve been in my IVA now for 2.5 years and started with a total debt of £18,000. On being accepted, it was predicted that my creditors would receive £12,000 at the en...