Thanks for your messages...no, it hasn't sunk in yet...i keep thinking they will phone me and say they've made a mistake!

My full and final settlement was accepted! 20p in the £ will be returned to my creditors...originally I would have paid back 39p in the £. My creditors seemed to have taken on board my changes in circumstances and my IP obviously presented it well. So pleased...thanks everyone for your help and supp...

Michael Peoples wrote:

There must have been a new I&E on the variation. Why do they want another?

They didn't ask for a new income and expenditure at any point through the full and final process...maybe they were meant to and forgot, and that's why they want it now?

I hope so...I am trying to be as positive about everything as possible!

Recieved a phone call today to say that one of the creditors required a new monthly expenditure, i'm taking this as a positive...they haven't just said no...

Meeting has been scheduled for July 17th...i'll let you know when I do!

Just a quick update: I have recieved the copy of the variation report and am happy with how they are representing me...it now has all been signed off by me and returned to by IP. Apparently the meeting will be in approximately 28 days...i'll update again when i hear anything new...

Thanks Melanie...as long as it's reasonable i'm happy. I just don't want this to drag on any longer than is neccesary.

I spoke to my IVA company today to confirm that they have recieved my letter, which they had. They informed me that the figures would be worked out and presented to their accounts department to okay...this process would take about two weeks and then they would arrange a meeting of creditors...the wh...

Thank you Melanie, I will make sure I do that...as I said I have no reason to suspect that they won't represent me properly, I don't want to take any risks.

Thank you both for your advice, help and support.

Melanie, is there any way that I might be able to ensure that my IP represents me properly? I have no reason to suspect that they won't...I have been clear in my letter about my situation.

I'll keep you updated.

My parents have made available a sum of £7300 as a FFS. I have sent the offer to my IP and have told them about my wife being pregnant and also that my working week is to be reduced by 1 day from end June which has now been officially confirmed. My parents have been amazing to come up with this amou...

Thanks David for your prompt and kind advice...Melanie do you have any further comments or advice, you both seem to have slightly differing views and I appreciate them both!

So creditors make the decision based on advice from IP. Are you suggesting that if my IP has said this figure is likely to be unacceptable I should take this on board and act accordingly (i.e try to beg, borrow and steal more to increase my offer)

Thankyou for that super-fast reply!

It's all so confusing but I guess I should just make the offer.