Paid!!!!

Last night my friend paid the IVA company the settled ammount!!!

Now im just waiting for the certificate in the post to confirm.

Phew! (nearly)

I suppose as long as it's noted and I have the certificate to prove that I have settled it, then it's not too bad. And they have nothing over my property. Im not interested in taking out any more credit anyway! No way never again!

Thanks Jan,

Im concerned that the creditors in my IVA are on my credit report as well as MDC, do I need to make sure these are removed/satisfied? How do I go about this? Also should MDC be shown as Satisfied once I have my certificate?
Max

Its been a while but MD&C had a variation meeting and have accepted my offer of 3K for full and final settlement! I have to have it paid withing 35 days but im not sure what to do now about my credit report etc... I want to make sure all creditors are removed from my credit report and also to make s...

Oh ive got 2 accounts! I thought id already registered!! Sorry for any confusion, Max1980 and Max7051 are same person. Ill have to delete one.

Hi Melanie, The IVA will cost me 6k if I carry on the monthly payments to the end of the agreement. I want to offer the IVA company 3k for F&F settlement. Then i will owe them nothing. The 3k is a gift from my friend which i will not have to pay back. I have declined many times but now the insist th...

IVA is with Money Debt and Credit, what is you opinion of them? Do you know of anyone who has had a settlment offer accepted?

Thanks

Thank you for your replies! A bit more information for you. The £6000 is the full amount if I were to carry on paying my monthly payments. My ex partner left in November 2009 and went bankrupt using our house as the address. Leaving me with 2 children, our joint mortgage and a joint halifax loan sec...

Long and short of it is, a good friend of mine is willing to settle my IVA for me. Great im thinking, but I dont know the best way to go about this. IVA balance £6000 Maximum Mortgage balance £94'000 (possibly a little more due to missed payments) House valued by Indepandant Surveyer at £110'000 Am ...

Thank you Jan, Shall i open it ASAP or after BR?

I do know the implications of being BR, I have read all about it. I have already prepared and got a pre-pay credit card to use if i lose my bank accounts.

I cant stay here, the more i do the more i dwell on the bad times, its not healthy and its rubbing off on the children. I know its not a reason to give the house up but im just saying i havnt go the energy to fight for a house i dont want! So i think im going to go with what Jan says, move out into ...

Thank you

OMG

Will any shortfall be covered in his bankruptcy?

I suppose in my heart i dont want to be in this house!!!!! Bad times! Pus I cannot afford to pay the mortgage, loan, iva plus all the bills etc..... its a huge house to keep on alone. Im really stuck as to what to do now! If i have no interest in keeping this house/mortgage when my ex goes BR what w...

Thank you Michael! That would be the perfect solution but Im in an IVA and i doubt ill be able to get a mortgage alone for the sum of the secured loan and the mortgage together!!! From what i have been told by NRock i would have to put in a single mortgage application and i wouldnt get one withour a...