Search found 10 matches

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by Pbryan10
Tue Feb 12, 2008 2:25 pm
Forum: equity release
Topic: Equity Release
Replies: 1
Views: 2049

Hi All My IVA States that in year 4 I am required to pay in an additional 11k via an equity release. A percentage isn't mentioned (i.e 75% of equity to be released) Do you think they will stil push for 75 or 85 % or settle for the actual figure as detailed in my proposal? Just a bit worried as every...
by Pbryan10
Tue Feb 12, 2008 1:51 pm
Forum: postings for february
Topic: Full and Final
Replies: 2
Views: 1116

I was on a 5 year IVA from June 2006 however due to a reduction in income , we proposed and got accepted a F and F with my IP being funded by the sale of my house. As we all know the market is slow to say the least and as yet I have had no offers. What would happen if I am unable to sell the house? ...
by Pbryan10
Thu Nov 01, 2007 10:37 am
Forum: postings for november
Topic: Full and Final Accepted
Replies: 1
Views: 1173

Hi All Some advice appreciated. We have just had a full and final accepted after 18months onto our IVA. Our income reduced and we could no longer afford payments. We proposed our IVA on the basis of selling our house....market slowed right down now!! and no interest / offers to buy the house as yet....
by Pbryan10
Thu Nov 01, 2007 10:35 am
Forum: postings for november
Topic: F and F accepted need to sell house now
Replies: 2
Views: 1234

Hi All Some advice appreciated. We have just had a full and final accepted after 18months onto our IVA. Our income reduced and we could no longer afford payments. We proposed our IVA on the basis of selling our house....market slowed right down now!! and no interest / offers to buy the house as yet....
by Pbryan10
Fri Oct 19, 2007 10:16 am
Forum: postbag for october
Topic: Selling house to end IVA early
Replies: 1
Views: 1124

Hi All, just a quick question. I am currently proposing an early settlement due to a reduction in income by selling my house (meeting 25th Oct)If they agree to the amount but I then can't sell my house would they still accept the same figure by way of a remortgage? Also how long after the creditors ...
by Pbryan10
Thu Oct 18, 2007 6:42 pm
Forum: postbag for october
Topic: Selling house for full and final
Replies: 1
Views: 1178

Hi All, just a quick question. I am currently proposing an early settlement due to a reduction in income by selling my house (meeting 25th Oct)If they agree to the amount but I then can't sell my house would they still accept the same figure by way of a remortgage? Also how long after the creditors ...
by Pbryan10
Thu Oct 18, 2007 1:54 pm
Forum: postbag for october
Topic: Full and Final
Replies: 11
Views: 1659

No prob with stat interest as My original debt was circa £170 k and I'm paying back 26p in the £ via f and f (the same as original proposal)
by Pbryan10
Thu Oct 18, 2007 12:50 pm
Forum: postbag for october
Topic: Full and Final
Replies: 11
Views: 1659

Hi All We have a F/F meeting for 25th Oct where we are proposing selling our house and paying a set figure from the proceeds into the IVA as full and final. We are having to do this because of my wife being made redundant and getting a new job with a lower income. The question is that if it is agree...
by Pbryan10
Thu May 31, 2007 3:51 pm
Forum: IVA postbag for may
Topic: 95% Mortgage
Replies: 1
Views: 6533

Hope someone can help
What chance of getting a 95% mortgage whilst in an IVA??
Thanks
by Pbryan10
Thu Feb 01, 2007 2:34 pm
Forum: the hot hot IVA topics in 2007, 20 replies plus
Topic: Don't be mad but i need to say this
Replies: 22
Views: 4298

Quite agree with all other posters. Been in an IVA for 7 months £ 160k of debt....yes that's right! I find myself now really questiong if I need things and how much they cost, rather than just buying them on credit. It was a real blow to realise the extent of my problems but now I have.....what's mi...
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