Sure, just keen to get things moving.

Thanks for the replies..

Melanie, can you start the process of forwarding my offer now to conincide with the annual review or do I have to wait until the anniversary before preparing the offer?

Many thanks.

Hi, Been lurking on here for nearly a year but this is my first post. I started my IVA in April 08 and i've luckily been offered the money to settle early from a family member as long as I pay them back. I'd much rather owe the money to them with less constraints. My payments are £320 x 60 months an...