Hi, I am thinking of offering an early settlement figure of 12500 to my creditors. This money has been offered to us by my wifes nan. its her savings. We currently pay £480 per month. We started in Jan 07. Because of the rises in costs of living, fuel etc after revising our expenditure i have worked...

My situation is that i have been in an IVA for around 15 months now. I sent in my pay slips for the year and i had a letter back on my review date stating that i earned £2600 over what i told them i would earn therfore i need to pay back £1300 by January. i then told them that the cost of living had...