I don't doubt where my money is going as the statements reflect my payments 100% and Payplan only make their profits from IVA arrangement introductory fees. My question really should read... Partial or Full settlement - Before or after 6 years? Which will cause the least long term damage to my file.

Nope all the debts are mine and I had no PPI.

Thanks for your reply! So would you say I'm best to wait until 6 years and then see what happens? Is this why now I'm being contacted to make early settlements?

Hi guys, would appreciate your help on this. I currently have 25K of debt which is being administered with Payplan. I defaulted on all accounts in 2012 during a separation. Next year I should be receiving early inheritance to the value of 25/30K So I would love to clear all outstanding debts and be debt free. However I would like to apply for a mortgage with my new partner in a couple of years and understand that companies like Halifax look at your credit file in fine detail. A - Should I clear all debts at 100% of value before the 6 year default period ends (a couple are offering settlement options now) B - Wait until the 6 years are up? Then ask for settlement figures Full/Partial I don't want to partially settle if it reflects badly with high street lenders in the future.. I really appreciate your help! Thanks Roj.