Hi thanks again for advice. I have had a stressful two weeks waiting for decision. In end I phoned the creditor holding back and they have just told me they are going to accept iva. A huge weight has been lifted. I will pay back 25.4% of the original debt. Never going into debt again. Getting life b...

Hi thanks very much for advice and support. Oops not Moorcroft but Mkrr! Initially I offered 100 a month for 5 years, other major creditor accepted but mkrr refused 115 and over 6 years, they also refused 120 over 6 years saying the dividend was too low. Hoping they accept 125 and I will try and sti...

Hi I'm waiting for Moorcroft to accept the iva proposal, other creditors have accepted. They have refused 20p in pound, know this is low but I'm on a tight budget. Any ideas on what percentage they might accept? Thanks