Mortgage no-go

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Lisa Thomas

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Post by Lisa Thomas » Thu Dec 10, 2015 4:28 pm
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PS. I like the new avatar!
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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luluj

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Post by luluj » Mon Dec 14, 2015 5:09 am
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Great news ... hope you get to speak to Zebra again before xmas with the certificate in your hands.
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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Shining

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Post by Shining » Mon Dec 14, 2015 9:25 am
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A great finish and you are over the line now. Once that certificate reaches you and you're off the IR you'll be zooming past the line. Glad it's almost over for you.

A great start to a New Year.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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shaimoss

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Post by shaimoss » Wed Dec 16, 2015 7:27 am
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Just another update.. Got my C of C on the 8th December and have been chasing up my removal from the IR .. However to my dismay they said my record is still current & they have not received notification from my IP supervisor of successful completion of my IVA .. Anyhow anyone in the same position can send an email to with your C of C to customerservices.eas@insolvency.gsi.gov.uk - this will speed up the process and allow them to update the insolvency service database to reflect that your IVA is now complete. Merry Christmas & a Happy New Year !!
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kallis3

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Post by kallis3 » Wed Dec 16, 2015 8:49 am
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The chances are anyway that you will stay on for three months. Some people are removed sooner but others have to wait the full three 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
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shaimoss

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Post by shaimoss » Wed Dec 16, 2015 9:06 am
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Hi ,
It was a Customer Service Manager at the insolvency register who suggested that I send my C of C to the customerservices.eas@insolvency.gsi.gov.uk .. So I am more hopeful of a quicker removal than the 3 months
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Michael Peoples

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Post by Michael Peoples » Wed Dec 16, 2015 9:26 am
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Worth a try but they do have three months to remove your details and your IP has no control or say over this.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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kallis3

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Post by kallis3 » Wed Dec 16, 2015 9:36 am
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Ours were removed within two weeks but I know Foggy had to wait three months even when he phoned and told them he knew someone who had gone within a short space of time and they said that wasn't 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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Shaun Vickery

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Post by Shaun Vickery » Wed Dec 16, 2015 4:40 pm
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Do you have a copy of your credit file?
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.

For individual, confidential mortgage advice see my details under the IVA Experts or go to http://clients.theselectpartnership.co.uk/
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shaimoss

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Post by shaimoss » Thu Dec 17, 2015 7:53 am
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Hi Shaun
I have access to 2 Credit agencies at the moment .. one with Noddle and one with Experian .. I have 2no negative mentions - The fact that I am still currently on the IR and I have a default from SRO holdings dated 30/12/20009 that was originally an MBNA debt that was included on my IVA .. However this should drop off my credit file at the end of this month because its 6 years ..
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Shaun Vickery

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Post by Shaun Vickery » Thu Dec 17, 2015 12:04 pm
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Ok that's great. At least you have everything else lined up and in order which should help once the IR finally update their records and give you the best options. Incorrectly registered defaults can often cause an issue but, as you say, this will drop off at the end of the month. Make a nuisance of yourself!
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.

For individual, confidential mortgage advice see my details under the IVA Experts or go to http://clients.theselectpartnership.co.uk/
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shaimoss

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Post by shaimoss » Tue Dec 22, 2015 10:31 am
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Hi everyone, I've just got notification from the Insolvency Service that my account has been updated and I'm off the register !!!
If you dont want to wait the expected 3 months it does pay to send your completion paperwork in to them - its took less than a week for mine to be updated ! ... Heres the email for anyone else wanting to follow suit - CustomerServices.EAS@insolvency.gsi.gov.uk
Merry Christmas everyone & a prosperous New year !
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kallis3

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Post by kallis3 » Tue Dec 22, 2015 10:41 am
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Great news and have a good Christmas and New Year.
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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luluj

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Post by luluj » Thu Dec 24, 2015 7:10 am
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Brilliant ..just in time for celebrations !
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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Shining

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Post by Shining » Thu Dec 24, 2015 1:00 pm
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A lovely present for Christmas for you, excellent.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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