I would ask to speak to the closures team rather than the first line customer service, if you go back on this thread they have said its an extra year to other ex PJG clients
Someone posted 2 mortgage providers that supplied online rejections you could screenshot on a recent similar thread i think one was Chelsea but cant remember the other
You can refuse their valuation as they usually use Zoopla who over value normally. Halifax will refuse.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Yep, Halifax have said they will probably refuse but have to go through it on Monday - luckily the advisor knows about the IVA clause - he did say I needed a closure figure though so I'm calling CF again.
But reading this thread and others CF have not asked others for mortgage rejections after just lending have contacted people they have said the IVA will continue for a year
yea, I saw that - but they din't tell me that... I may just tell them I have spoken to Halifax. Customer services used to be in Glasgow, I suspect it's overseas now.
I have had issues with their first line customer service people before, they are polite but have no real knowledge of your IVA. I would defo ask to speak to your case worker or closures, they told me i couldnt have a savings account... wrong... and that I had to hand over my tax rebate .. again wrong
Before you run around try and speak to someone senior
Ok, I got through to Glasgow and they were great. They are going to get Closures to call me. Basically they know I'm not going to be able to release equity...in fact stated I wouldn't be able to.But they need to rejection letters for files/proof. They also said they can extend by up to 3 years but that only be if I had a massive amount of equity and it would probably be 12 months.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I don't see how they can do three years. I had a massive amount of equity (ok not with CF myself) but it was just extended for the extra year.
I rather think the staff you have been speaking to have no idea what they are talking about.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
If it doesn't say that then I don't think they can do it and you should fight it all the way.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
No,they only said extensions can be 12, 24 or 36 months - but even 24 months would need huge equity. She did say the closure team were the best to advise so she didn't want to mislead me. My agreement says 12 months too, so I'm not worried about that.
