Northern Rock Together mortage

[caknight]

Beechy how come your down as a campainer if you work for an IVA company?

[Beechy]

No Idea

Dave Beech

[caknight]

no, they'll still not let me as it will effect the iva payments and drop it to well below acceptable but I can manage for now

[Beechy]

It is prob due to the fact I am not an IP.
Not sure the tag campainer sits well though


Dave Beech

[caknight]

well that's what I thought.

[OPTIMIST12]

Beechy -

When you have made more posts you will cease to be a "campaigner" and move up to the next level!!I am not sure of the exact number!!

[Beechy]

Better do losts of posts

Dave Beech

[mikebdomain]

To the question regarding the together product from Northern Rock. The answer is yes you can, but your interest on the unsecured loan shoots up after redemption of your Northern Rock Mortgage - you would be best advised to read all the small print and speak to Northern Rock about the increase in the Interest rate.

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
Whole of Market Mortgage Broker & Mortgage packager
Specialising in adverse credit.

Directly Authorised Firm FSA No:313790

CeMAP 1,2 & 3 qualified
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Financial Planning Certificate
Certificate in Regulated Customer Care
Certificate in Regulated General Insurance
Associate of the Charted Insurance Institute

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf

[Beechy]

That is very interesting

Thanks Mikebdomain

Dave Beech

[MelanieGiles]

To - CAKnight

Are you saying that your IP deliberately left out the unsecured element of your NR together package from your IVA and that you are continuing to pay this to NR as part of your mortgage payment? And that this was done simply to get the IVA accepted?

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[Beechy]

I think you have done a previous posting relating to this.

Mem jogger; there was also a problem with the car allowace being included as part of the salary

I could be wrong as I have read so much recently,

Dave Beech

[MelanieGiles]

Yes Dave - I was getting deja vu as well when I read this. And if I am right I thought it was as appalling then as I do now! This sort of thing needs to be stopped in our profession, and it really makes my blood boil.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[Beechy]

Could not agree more.

It looks like the NR was excluded just to get it through, and to compound that the salary was not indicated at the correct amount, there by "making it fit"

Dave Beech

[caknight]

I Melanie, yes, but we have covered this before, and yes it all was to make it look right

[caknight]

the other thing is if i asked for it to be added on now, what would happen?