Mike I have done Cemap1, I started by buying into a mortgage company that went bust as soon as the FSA regulated the mortgage business. I bought leads for adverse mortgages at over £100 per time from the likes of money supermarket etc, as you know this doesn't work and it is probably why you are on ...

Andy (fair enough) But these IP's have a duty to act with due diligence, they should know what products exist and loan to value ratios, most sub prime lenders won’t now put in print what they will lend . As for the hand that feeds me you can quote anything from this forum BUT that doesn’t take in to...

catullus, Read many of your posts, im'e from a working class background the very fact that you identified that IVA was set up for business use is the starting point. I have never had the benefit of talking to my IP. The very fact that you are lost on my post is academic you don't know your own marke...

Hi Melanie,
My IP said sign here 100 times.
that was it
Regards
Adrain

My broker is an a@@@@@@ take it from me if you have an IVA the mortgage scene is now reaching the final curtain. Because the Yanks own England or (Britain?) seems now the max LTV is 75% and no IVA will be considered (SPLM) and most companies to follow. The future isn't Orange it's bleak. Thanks to N...

Hi Melanie,
His Mortgage is £115,000 Property Val £130,000 to £140,000 max.
Revenue around £50,000 Disposable £350 PM.

Regards
Adrian

Hi Melanie, I have a possible client for you he needs to know where he stands and what to do, his predicament is this. He divorced last year and has a property with about 30k equity the customs people want to BR him as he is single how would he be able to purchace the interest in his home back if he...

Congrads also I have Molly who is five
she makes my day everyday

Firstly thanks Melanie,
There is no in depth knowledge about my case to be honest. I wouldn't ask you to give advice just help form an opinion. The company I am useing was reccomended by the Bankruptcy Association but I wish I had come on here first I would have used you.
Regards
Adrian

Be nice to know how your financialLy stable in an IVA. Standard IVA no more credit to be obtained. If your finding 2k must have cost atleast 6k not the best way to start be honest with the inlaws I had all that. Your new to be obviously doesn't know ? best move would be to tell her now see how much ...

Hi Mealanie, Exactly (Accrington Stanley((bingo) I want to see my IP but he has so many bods around him I am relying on your info to be able to focus on some kind of meaningful exchange when I actually get the priverlidge of meeting him. My company had all the mortgage details at the time and knew i...

Hi Melanie, The post about the property equity revolves around my IVA paperwork. I have studiesd it and it's more generic than specific. The first page states: STANDARD CONDITIONS FOR INDIVDUAL VOLUNTARY ARRANGEMENTS Produced by the Association of Business Recovery Professionals. Version 2 November ...

Hi Sue,
Thanks for the info.
Regards
Adrian

hi s.b.w No don't know anyone who has, be nice if somebody actually kept a register. John Mqueen from the the Bankruptcy Association states The mere avoidance of Bankruptcy itself is not, in my view, sufficient justification to enter an IVA. My view is starting to change as I had expected interest r...

Hi Melnie, I would like to take specific advice from my IP but the more I go through the IVA process and posts on this forum it strikes me there are more questions than answers. I have looked through the paperwork for my IVA and nowhere does it state anything other than £8,000 and I presume it's in ...