Just to say our Full and Final offer was accepted on Thursday - hasnt really sunk in yet!

Thanks again for the reassurances - Our meeting is actually tomorrow!! - My brain is in such a fog at the moment it is hard to concentrate on anything....So its too late either way.

Many thanks for your replies - and your kind thoughts Kallis3 I suppose I am more concerned because its not a great offer - but it is the very best we can offer. Mrs Skint - I wasnt aware there would really be any interaction like that between creditors and IP, I thought it was basically that they r...

We have recently submitted a Full and Final Offer - our meeting is due next week, however I have just found out that our IVA providers have not included the personal statement I wrote in their offer to our creditors. We have made the offer as we are self employed and business is suffering from the r...

Hi Frequentflyer - just wanted to say we are over 2 years into our IVA and have had a 3 month payment break already and are now trying to gain another but having difficulties! Being self employed with heavily fluctuating disposable income makes it very hard for us to maintain regular payments. Good ...

Thanks Melanie - my husband has sent a letter with all the details to the IP today and asked for him to phone us to discuss.
Melanie - Sorry I cant find this post on the actual forums....Have I got it in the wrong place??!!

HI - Does anyone know how we can get to speak directly with our IP?? We were with Clear Start - now obviously with DFD - Derek Oakley and Richard Savage. We have always struggled with our IVA - been advised by a few on here to throw in the towell a year ago!!We have, however, managed to keep going -...

I ended up visiting 3 supermarkets today - Sainsbury first - they had punnets of peaches and nectarines for £1 (probably have to leave them to ripen for 3 months mind!) But my best buy in there was Basics shower gell for ....10p !!! Ok I admit I wont use it myself (Original Source was on offer buy 2...

We were with ClearStart for 2 years and also received a letter of resignation from our IP last week. It also advised us of the appointment of 2 new IPs. Have to say I am really diappointed as I had only heard good things about our IP. It does seem very one sided that we have no control over the situ...

Ian, as far as I am aware, no mention was ever made with regards to having a license? Fortunately we gave ours up anyway a few years back anyway.

At the time of setting up the IVA Melanie, it was all new to us of course...we had no idea of what should or could take place. My husband did go to see one company based in Plymouth but they only suggested bankruptcy so we had to look further afield. We are now with Clear Start and as far as I am aw...

Carl - we are self employed (also catering) and have been in our IVA for almost 2 years but we never had a face to face meeting with anyone when the IVA was set up - should we have done?? It was never mentioned at the time.

Thanks for the replies. Well we received a phone call from our IP this morning to say that we could have a 3 month payment break. There was no mention of a variation meeting having been held? Perhaps find out more when e receive their letter. Our IP is well aware of how much we are floundering....We...

We are very late paying our IVA this month and I found out today that my husband has written to our IP asking if we could be granted a 3 month payment break. Will this request require a variation meeting??

Good luck Ellie - We are in a very similar situation to yourself but currently struggling in an IVA.