full and final settlement accepted!

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kallis3

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Post by kallis3 » Tue Jan 11, 2011 6:27 pm
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Result!
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
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leaKybrain

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Post by leaKybrain » Tue Jan 11, 2011 9:09 pm
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jsut seen this, excellent news.
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Victor.vb

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Post by Victor.vb » Tue Jan 11, 2011 10:16 pm
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Congratulations Casper well done. I wonder you could help on this matter. I am just accepted for an IVA- Now, at what time period you apply for a full and final settlement. My term is 72 months. How to find the extra fund. Thanks
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phil732

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Post by phil732 » Tue Jan 11, 2011 10:21 pm
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wow fantastic, its a great feeling when its all completed.
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casper90

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Post by casper90 » Tue Jan 11, 2011 11:04 pm
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hi victor, i offered the full and final at53 months funded by a relative who i will be paying back at the same rate, my morgage equity was taken out as unable to remorgage so that probably helped, i believe you can offer a full and final at any time and if its realistic enough theres a good chance it will succed, it would have to be funded by a third party though
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kallis3

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Post by kallis3 » Wed Jan 12, 2011 6:52 am
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You can apply at anytime, but it must be funded by a third party and be as close to the original dividend as possible.
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
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flow13

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Post by flow13 » Wed Jan 12, 2011 9:27 am
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Congratulations. x
Its now time to start living and to make some some wonderful memories!
Read my blog at http://flow13.blogs.iva.co.uk/ 'Aiming for the finish line'
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terminator

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Post by terminator » Wed Jan 19, 2011 12:32 pm
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Casper,
If you don't mind me asking, what were the monthly payments?
If my maths is right, you were paying back £36k so divide that by 72 months would have meant £500 p/m.
At 53 months you had paid £21,500 back so that would equal £405 p/m is that correct ?
And originally with house equity they were looking to recoup 48p per £ of debt but with that clause excluded and the extra year that dropped to 28p per £ of debt is that correct ?

Just interested in what sort of offers are out there ?
And again if you don't mind my asking, who was the company you went with ?

Thanks in advance
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kallis3

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Post by kallis3 » Wed Jan 19, 2011 12:34 pm
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Check this topic out - should tell you what you need to know:

*link removed - wrong link posted!*
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
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terminator

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Post by terminator » Wed Jan 19, 2011 12:47 pm
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Jan,
That link you sent was about bankruptcy ?
Regards
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kallis3

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Post by kallis3 » Wed Jan 19, 2011 12:49 pm
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Sorry,

Copied and pasted the wrong thing!

Try this one:

http://iva.co.uk/forum/topic.asp?TOPIC_ID=33173
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
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casper90

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Post by casper90 » Sun Mar 06, 2011 10:55 am
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completion certificate finally received, never want to see another credit card again! this forum has been a great help over the years and my thanks to everyone who replied to my questions on the forum
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kallis3

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Post by kallis3 » Sun Mar 06, 2011 11:01 am
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Great news casper! Keep posting to let us know how things are going post IVA.
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
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Foggy

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Post by Foggy » Sun Mar 06, 2011 11:10 am
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Great news -- now the re-build begins. Best of luck post IVA :0)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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