Thanks for all your replies - much appreciated. I did wonder whether with my new circumstances, my F&F offer would be seen to be too low. It seems from your comments that this very much likely to be the case. Are there any disadvantages to going ahead with the offer anyway? Presumably if it is decli...

I have been in my IVA for 20 months and have 40 months left to go. My debt when I entered added up to £26k and through the IVA it was reduced to £13,600. Since going into my IVA my circumstances changed for the better and every month I have paid in extra due to having to give 50% of anything over ...