David Mond Many thanks for your responses. With regards to your last post mentioning comebacks if not done formally. I was advised by the CCCS to write letters which I have done. They gave me a template which I have used. It ends with this: This offer is made on the understanding that if accepted ne...

You guys are just great,

I will contact Andrew this week with regards to my situation.

Many many thanks to all for giving me some hope.

Very kind regards

Dave

Hi Andrew thanks for your post. An informal offer sounds very interesting. I have been trying this over the past 12 months on my own offering slightly more each time but not through an IP etc. If I found an IP who would represent me for an informal offer, would this give me a better chance of having...

Hi everyone many thanks for your time and responses.

Its great to know you believe I may have a chance.

What kind of fees would need to be paid?? or would this be included in 10-11K and what would the creditors receive.

Again many thanks

Dave

Hi everyone, thankyou for your time. I have been in the black hole of debt for over 10 years. Currently I'm on a DMP paying £70pm to my creditors. I have a massive CSA payment which denies me the available funds for an IVA. My brother and parents have offered to pay off a lump figure as a full and f...