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by sadone: Sun Apr 06, 2014 2:00 pm; Forum: Ask IVA Forum and Industry experts; Topic: Hi I am 17 months into an IVA with Payplan, and now selling my house to clear my debts.; Replies: 9; Views: 2441

To anyone thinking of making a full and final offer, offer less!! We owed £15000 in payments if we had continued till the end of the IVA and the creditors accepted 10,000 which was very kindly given to us by a family member. We are now debt free and rebuilding our lives after several years of hell, ...

by sadone: Tue Oct 15, 2013 10:35 am; Forum: Ask IVA Forum and Industry experts; Topic: Completion Certificate?; Replies: 10; Views: 1964

Woooo, I've just received it! Full and final settlement was accepted, what a relief!

by sadone: Tue Oct 15, 2013 9:51 am; Forum: Ask IVA Forum and Industry experts; Topic: Completion Certificate?; Replies: 10; Views: 1964

Is a Certificate of Compliance a completion certificate? Sorry if I am being a bit numb![:I]

by sadone: Wed Oct 02, 2013 11:02 am; Forum: Ask IVA Forum and Industry experts; Topic: F & F; Replies: 1; Views: 1080

What happens if no one votes on the day of the meeting?

by sadone: Mon Sep 30, 2013 3:01 pm; Forum: Ask IVA Forum and Industry experts; Topic: Now realised many things can be claimed that my IP at Freeman Jones did not mention; Replies: 11; Views: 2241

Apologies if I am not understanding the above but are the allowances in the guidelines what everyone in an IVA should be getting?

by sadone: Mon Sep 23, 2013 8:35 pm; Forum: Ask IVA Forum and Industry experts; Topic: Full and final; Replies: 3; Views: 1266

Hi an incredible relative is giving us 10k as a full and final offer.

by sadone: Mon Sep 23, 2013 5:31 pm; Forum: Ask IVA Forum and Industry experts; Topic: Full and final; Replies: 3; Views: 1266

I have just received my paperwork for F & F from IP, In a letter to creditors it says that they have been paid 12p in the pound during the IVA and if they agree to the settlement that they will receive 12p in the £ in the final distribution of the funds is that good news for the creditors, I'm at a ...

by sadone: Sun Sep 22, 2013 12:41 pm; Forum: Ask IVA Forum and Industry experts; Topic: Every mortgage I have applied for has been turned down. Grateful for any advice.; Replies: 19; Views: 5954

We are in shared ownership and we tried to get a mortgage before the IVA and couldn't get one its now impossible with an iva as well, Barclays told us they wouldn't touch us for 5 years after completion of the IVA and not at all for a shared ownership house, we are stuffed!

by sadone: Tue Sep 17, 2013 6:42 pm; Forum: full and final settlements; Topic: F & F Payments; Replies: 44; Views: 15529

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

Excellent, Mr Debt -- well done

Hi how long did the process take from start to finish?

by sadone: Tue Sep 17, 2013 5:45 pm; Forum: Ask IVA Forum and Industry experts; Topic: Advice please on debt accumulated while in an IVA; Replies: 4; Views: 1509

What do you mean by debt?

by sadone: Tue Sep 17, 2013 9:24 am; Forum: Ask IVA Forum and Industry experts; Topic: Don't understand how we get remortgage offer when no company will give us one; Replies: 4; Views: 1331

We went to Barclays and they gave us a letter stating they will not lend to anyone who is in an IVA, we got it the same day, we didnt have to complete an application or anything else.

by sadone: Sat Sep 14, 2013 4:43 pm; Forum: Ask IVA Forum and Industry experts; Topic: F& F Settlement Meeting; Replies: 1; Views: 1001

How much notice does the IP have to give to creditors for a F & F Settlement meeting?

by sadone: Fri Sep 13, 2013 12:55 pm; Forum: full and final settlements; Topic: Offer made; Replies: 27; Views: 9708

Congratulations, it must be an amazing feeling, we have just started on the road to a F & F Settlement, sent our IP the offer details and requested paperwork yesterday, hope it goes as well for us

by sadone: Sun Sep 08, 2013 11:53 am; Forum: Ask IVA Forum and Industry experts; Topic: Full & FInal Meeting Tomorrow! Question?; Replies: 9; Views: 1845

Good luck from me too!

by sadone: Sun Sep 08, 2013 11:01 am; Forum: Ask IVA Forum and Industry experts; Topic: Settling my IVA; Replies: 7; Views: 1370

Thanks everyone

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