Is there anyway we can appeal Cleardebts decision to refer us to GF for secured borrowing ?

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recovering

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Post by recovering » Sat Sep 26, 2015 6:02 pm
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It could help for sure but I suppose some would be so relieved at getting to the end they just want to move on! #128530; Which I suppose some companies realise
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relieved33

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Post by relieved33 » Sat Sep 26, 2015 6:42 pm
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I agree that IPs shouldn't be allowed to suggest secure lending if it said remortgage. I guess Third Party Funds needs clarifying. I remember Melanie saying her interpretation wasn't secure lending but therein lies the issue, these things seem to be open to interpretation.

So much seems to be down to what slant an IP takes. Things certainly appear trickier now than 6.5 years ago when we looked. The relief when you are offered a solution and then again once completed I fear will put people off complaining.
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recovering

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Post by recovering » Sat Sep 26, 2015 6:51 pm
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Exactly, which I bet some companies rely on, I have screen shots of Mel stating 1. 3rd part funding is NOT secured loan and 2. She had taken legal counsel on it and remortgage and secured loan are not the sane thing
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lifenoteasy

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Post by lifenoteasy » Sat Sep 26, 2015 6:57 pm
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."..not the sane thing."

Your autocorrect gave the right interpretation!
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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recovering

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Post by recovering » Sat Sep 26, 2015 7:01 pm
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Ha! I can't wait for this to be over for me, it's not the budgeting anymore it is the constant worry about the posts being moved. 2.5 years seems like another 5!'
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lifenoteasy

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Post by lifenoteasy » Sat Sep 26, 2015 7:15 pm
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4 months with any luck.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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recovering

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Post by recovering » Sat Sep 26, 2015 7:16 pm
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Good for you! pleaae don't disappear after!
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lifenoteasy

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Post by lifenoteasy » Sat Sep 26, 2015 7:33 pm
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I won't - maybe end of 2017.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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happy buddha

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Post by happy buddha » Sat Sep 26, 2015 7:45 pm
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Great news ! Common sense prevailed in the end. Good luck and here's to the end your iva.
On the road to freedom
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Shining

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Post by Shining » Sat Sep 26, 2015 10:38 pm
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So glad it's over for you and I hope others continue to question this as you rightly did.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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