Hi, we also have just 2 payments left, last one will be Feb, when and what do the IVA company request for the final review, we are now with CF but when with PJG we would have been under way with the annual review by now

Have not been on here for a long time, but we also got transferred to CF from PJG, I spoke to CF today regarding the email and advised them as we only have 2 payments left to make I will cancel my current SO then call them direct to make Jan and Feb payment over the phone, cant see the point of sett...

once the final payment is made what is the situation if a pay rise or bonus payment occurs before the completion cert is obtained.

Well I hope that is taken into account as we have already sent it off, just waiting for the written redemption figures, which I now have verbally hence being able to make my calculation.

We had a bit of a game even getting a valuation, the first estate agent refused when they asked us what was the valuation for ?. luckily the next one we tried did not ask BUT there letter does say marketing valuation

Thanks for the prompt reply Michael, that would be great if the lower figure used, by my calculations the lower or average figure would give us under £5000 equity and should be able to conclude on five years, BUT if highest figure used we would be around £200 over the 5K.

Hi All, been a long time since been on here, we are now in our final year and at the time to get valuation and redemption figures, so I have a question, the estate agent has supplied a valuation estimate between an upper and lower value, which figure would be used or would the average value be taken...

Ahh yes I see now, thanks Broke! we will in fact be just a little down. I have checked my proposal and the 10% 50/50 is for overtime, bouns or commission so would this include hol pay? no mention of change in base salary other than reviewed annually. As soon as we het confimation of the new job in w...

Hi Broke, now not sure about about pay increase it maybe 50/50, will need to check that but with regard to the hol pay, yes I realise that it will be off set but that last salary will actually be higher than normal and according to my proposal I have 14 days to pay across the excess (subject to 10% ...

Hi all, not posted for a while as all been going ok, however we now have a question and thought to air it here in case it helps others in a similar situation. So bear with me and I will endeavour to put across a bit of a long winded post. My wife is going to loose her job at the end of Aug. due to g...

Thanks for the replies, I think on balance it will be easier to continue with a fixed rate for the next few years, I do expect the current rate to increase slightly as inflation rises but not to the level I will be fixed at, but a least I know what the payments will be for the next few years

Hi Kallis3, thanks, yea good thankyou, can't believe it's almost a year, and yea I need to decide on re fixing the mortgage or let it track

Hi All, I think this may have been covered before but I have a question regarding changes to IVA payments. Lets assume that an I&E has no changes to when started EXCEPT for the mortgage going to SVR and becoming lower, this saving passed to IVA and thus increasing the monthly payment, NOW suppose th...

Hi all, I have a question I would like to offer regarding mortgage payments. we are soon to come to the end of our current fixed rate term so I have contacted our provider to see what options are available. we can re-fix the rate or let it track the current base rate. If we re-fix there is very litt...

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