any help at all would be fantastic

[bagpuss]

Hi..sorry i bet this has been aske before but i am unfamiliar with the site to look...We did an IVA (not a monthly one..it was a 1 off payment) through Grant Thornton...that was 3 years ago...our discounted fixed rate mortage is up soon and would like to get a better deal...have already asked at our bank (Alliance and Leicester) and they said no...are we going to get the same answer everywhere...? i dont know where to try. We have i am very glad to say been debt free ever since...all we have is our mortgage. any help at all would be fantastic. many thanks x

[Oliver]

You will likely receive a more positive offer if you seek the assistance of a mortgage broker rather than using high street lenders.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

[iva experts]

Hi Bagpuss,

Eventhough your IVA was a one off payment, it will still remain on your credit file for a period of 6 years from inception or in your case completion. This is may be why A & L have rejected you.

Seek out specialised mortgage brokers for advice, I dont think its impossible [:D]

Best Regards,
IVA Experts
http://www.iva-experts.co.uk/

[MelanieGiles]

Wasn't this same query raised by you a couple of days ago, Bagpuss, or am I going mad?

If you completed your mortgage several years ago, there should be no problem in finding an alternative lender to give your business to. I suggest you use a mortgage broker who specialises in this type of lending and can scour the market for the best deal for you.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[bagpuss]

Hiya Melanie, your not going mad, it was my fault. I asked this question via email first then managed to figure out how to post a question on the site...me and computers have never really been the best of friends. Thanks everyone for youe help. I am getting in touch with a mortgage broker from on here.

[iva experts]

Best of Luck Bagpuss, make sure you keep us updated [:D]

Best Regards,
IVA Experts
http://www.iva-experts.co.uk/

[bagpuss]

thanks ..ohh i did a blog last night to share our IVA story and i cant seem to find it in the blogs section..has it got lost in cyberspace.....thanks x