Thanks for your replies - I am glad that the insurance quotes wont show up - one less to worry about. The reason I wanted to get someone who knew what they were doing to sort out my files is that the three different credit firms show different things for the same creditor and there are pages of the ...

Having finished my IVA with a F & F I have sent off for my credit files from the 3 agencies. There are mistakes including the IVA listed twice and defaults put on after the IVA was started etc and it is all quite complicated as I had a lot of creditors. Is there an agency or firm that I can use to s...

Further to my posting in December in February I made a F& F offer of £15K plus the payments in March and April. The variation date was 2nd April and I have now heard its been refused. When I phoned to get the details sent to me as they had not done so I was told that my IP was no longer going to rep...

Thank you all for your replies. I will contact my IP this week with my offer. Two points - Melanie you suggest a formal replayment agreement - can this be done between ourselves or does it need a laywer to make it formal? HMRC have about 24% of the debt- my other creditors just managed over 75% for ...

Hi I have been in an IVA for a year and regularly read this forum which I find most helpful. I have two questions. First the usual one about the amount to offer in f+f settlement. I owe £110K and have to make payments of £420 per month for 5 years - total £25200- so have now paid £5040 and by the ti...