Well things have progressed and thank you for all your advice. I've made full payment to Inland Revenue for the post IVA tax & vat (although they have still yet to cash the cheque!)I've spoken to them and they have definitely received the cheque its just taking a while to be processed in their syste...

my original debt was 67,464
IVA = 60 payments £350
dividend 0.25p

£14,700 is left to pay
I may be wrong so please correct me, but with my sums that leaves £11,760 for creditors

I know ideally we should offer the full amount but with the alternative of bankruptcy what would be an appropriate figure?

If my IVA was settled in full, how likely is a bankruptcy order to be accepted by the courts when I can offer a short payment schedule for the tax/vat owed & considering I am in f/time employemt now with a decent wage? or will this happen automatically? if I opt for bankruptcy now would the period o...

No I'm not a homeowner, I don't think my IVA has falied yet as my is looking into a F&F for me, any idea of a what would be an accepatble offer?

how long does it take for them to make a decision?

I have been a reader of this forum for the past few months and its been a great source of advice so I'm hoping you could help me with my first post I have an IVA in place and have made 18 payments of £350 but have also missed a number of payments over the past 2 years when I was self-employed. I sta...