my question

[Lisa2009]

Its so hard to speak to anybody that knows what they are talking about from my IVA firm. I was given an email address which i used and had no reply.
I will put a letter in when i send them my mortgage offer and explain everything and hope for the best and hope they dont want a variation fee

[Lisa2009]

No variation fee was mentioned when i spoke to someone and asked if what wanted to offer was acceptable. She said yes but that was before i just found out im going to be a bit short

[Lisa2009]

i think i am going to be about 5 or 600 short

[Lisa2009]

I think that works out at about 1p in the pound less taking it down to 27p in the pound

[Lisa2009]

sorry i have kept going on about this im just really concerned now

[mikebdomain]

skint - by the sounds of things - from the advice from Melenie and previous advice from Andy

"Full and final settlements seem to be favoured by creditors at the moment,so you are in with a good chance."

I don't think you have too much to worry about. I'm sure it will all be OK

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[Adam Davies]

Hi Skint
As Melanie has sais a few hundred pounds will not make a difference.
I will take a punt and say that your F+F WILL be accepted.
Relax
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[Lisa2009]

Is it normal to have to sign a direct debit form before actually agreeing to take out the remortgage.
Im probably over reacting again but i am scared that this mortgage company will start my mortgage with them before i have even had a variation meeting

[Lisa2009]

Dont wanna be tied into something then he creditors say NO

[Adam Davies]

Hi
It is perfectly normal.
You will only remortgage once the variation is agreed.If it,s not then you will not progress the mortgage any further.
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[Lisa2009]

Thanks for that Andy i feel a bit beter now.
Dont know what state i would be in without his forum