www.iva.co.uk

Hi All

I have just passed my month 54, and waiting for CF to be in contact regarding my equity valuation, i have contacted them once and was told someone would be in contact.

I was just wondering if anyone has any experience of offering a f&f instead of taking the additional 12 months?

My property will most likely be over the £5k threshold, even though i disagree and have had a valuation done and it was on the edge of the threshold, they said on the phone it will be over. I pay £340 a month and just wondered if anyone could give me an indication whether they would accept a F&F and if so how much should i offer?

I really want to not pay for the next 12 months and start preparing myself for normal life again.

With only the 12 months ( if applied) left you would have to be looking at the remaining payments pretty much in full.
If the figures look promising it might be worth shelling out a £100 on a RICS valuation and challenging the extension -- a gamble, but might save you £4k. At the very least I would want to see what evidence they are basing their decision on.