any hiccups that could happen in the home stretch

[s.b.w]

Hi All

I'm just entering the final year of my IVA and would like to know what happens at the end prcess.

I understand that the IP sends information through to the DTI, what exactly do they send through?

Are there any specific things I have to do at the end?

I'm with Grant Thornton who up until now have been wonderful and extremely helpful, but recently they are being absolute pains in the rear!

I'm wondering is this because I'm in my final year?

I'd really like some idea of whatto expect in this final year and are there any hiccups that could happen in the home stretch?

I'd really like to start considering a mortgage now and start to save once the IVA is finished, is there anything to say I couldn't get a mortgage because of my IVA?

Thanks for any advice you cn give me!

[Adam Davies]

Firstly you will not have a problem getting a mortgage as long as you have at least a 10% deposit.You will be best going through a broker and the deals available are extremely good but not quite High St rates.
The only info,that I,m aware of,that is sent out is to remove your name from the insolvency register.
You should receive a copy of the final report sent to your creditors and a satisfaction certificate once your IVA finishes,but this may take several weeks.
Hope this helps
Regards

Andy Davie
IVA.co.uk Spokesperson and site manager
(aka Neverending)

Please check out my blog: http://andydavie.blogs.iva.co.uk

View my profile here:
http://www.iva.co.uk/andy_davie_profile.asp

[s.b.w]

Thanks for that Andy!

It's been a long 4 years but I'm on the home stretch now and wished I'd found this place a lot sooner!

I've many of your comments/suggestions and they are amazingly helpful.

I really thin you guys deserve a slap on the back for all you hard work.

Once again, many thanks.

Sharon

Arghhhhh!!!!!!!!!

[Adam Davies]

LOL
Thanks Sharon

Andy Davie
IVA.co.uk Spokesperson and site manager
(aka Neverending)

Please check out my blog: http://andydavie.blogs.iva.co.uk

View my profile here:
http://www.iva.co.uk/andy_davie_profile.asp

[DebtDummy]

hello s.b.w, post to WelshBoy on this forum regarding your mortgage. He's an expert on mortgages. He may be able to assist you.

Good luck!

All I have left is my humour.

[s.b.w]

Thanks DebtDummy

Not looking at that at the moment as I haven't got a 1% deposit, let alone a 10% deposit!

It's something for the future, now that I actually have one!

Much appreciated...

sharon

Arghhhhh!!!!!!!!!

[Oliver]

Well done for sticking through your IVA Sharon, Im sure that the last year flys by.

All the best for your future plans

Best Regards
Oliver

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