Halifax are giving £100 to switch. you apply online and they do the rest, it's very easy. I did mine last week, after I'd made sure my Credit report was ok. I completed in April so am happy I could do this so quickly!

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by cherry545

£400 a month is what I give to my parents. I have my own bills/outgoings in addition to this.

Do you pay for your own heating, water, electric, food?

My gob is totally smacked!

Edited as crossed with Life's much better response!

If you're lucky enough to be with Freeman Jones they allow 10% of yearly salary if it's a yearly bonus.

Sorry, I missed that you'd only recently bought your house, ignore me lol.

Did you have an equity clause? If so, did you pass on the valuation and redemption certificate When you were supposed to?

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by lifenoteasy

Have a look on iva news about Harrington brooks and what they have been ordered to do.

Might help those making f&f offers.

Could you post the link please, I can't find it. Thanks

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Foggy Complications of IVA's apart my mum operated the 33% rule: a third of my wages were my keep, which I paid to her, a third I had to save and the last third I could do with as I wanted. As it turne...

Ok, thanks. it's all clear now.

Hi guys, I have had some major change this year and need help with I & E. My son turned 18 in April and is now working. This means that I no longer receive child maintenance and child benefit and have lost around £300. I understand that I now have to take his earnings into account and this is where ...

Hi, to help with prescriptions you can get a prepayment certificate. It costs £10.40 a month for 12 month certificate and will cover all prescriptions. http://www.nhsbsa.nhs.uk/1127.aspx

So it was a loan that she's now paid back from the equity that she received? I would fight it. Do have bank statements to show you paid the mortgage for her over the last 4 months?. GT are a piece of work, from what I read they're the only company that carry on taking windfalls after you have finish...

Hi Karen, Melanie has more or less done it for you. Send an email to your IP saying... Dear xxx My understanding is the IVA protocol means that if the sum to be raised from the potential re-mortgage - subject to you not borrowing more than 85% of the value of your property, then it is deminimis and ...

3.9) if the amount of equity available in the home at month 54 is under £5000, it is deminimise and does not need to be released & there will be no adjustment to the IVA term. It's £5000 at 85% LTV. They wouldn't have added the part I have highlighted if it was 5k total equity as if it was 100% you ...

You don't need to extend for 2 years if what egt1967 quoted is the wording in your contract. 12 months is the maximum you pay unless you reach the outstanding amount before then. example - if you had to release 5k in equity and you pay 1k per month then it would have to extend for 5 months but if yo...