Hi

Is the CCJ debt not included in your IVA ?

Kind Regards

Hi You would need to pay the loan payment in full each month to avoid any affect on your own credit rating, any payments received from your ex husband via his IVA would reduce the balance on the account and your loan may end earlier than scheduled His, and not your, equity share may have to be intro...

Hi

Congratulations and yes i would definitely celebrate with a glass or two

Kind Regards

Hi

Seems a reasonable solution for all, what figure were your creditors originally expecting and how much is the 3rd party now offering ?
Are you now back working ?

Kind Regards

Hi

Send the debt collection agency a letter including a copy of the completion certificate, ask for conformation that they will not make any further contact as the debt is no longer valid

Kind Regards

Hi You have done well, as others have said the whole idea of an IVA is to repay as much as you can reasonably afford to, over the agreed time period. Some people will repay just a few pence in the pound and others the whole amount plus statutory interest and fees/costs It is all down to personal cir...

Hi

My advice is to use Ryan from Zebra Money, I have personal experience using him and his company is excellent, he knows the mortgage market inside out

Kind Regards

Hi It is the charge card, was turned down several years ago but tried again in May of this year, accepted within a couple of days. My gut feeling is that you may be a little too early to try, i have built my credit rating up slowly but surely over the last ten years, for me getting the gold Amex is ...

Hi

Yes, finished my IVA in 2006 with Amex as a creditor and have recently been accepted for their Gold card
Funny old game isn't it !!
Guess the longer you leave it the more chance you have

Regards

Hi

You really need to offer an amount that is close to the remaining monthly payments, an offer based on your calculations will not be enough in my opinion

Is the third party able to offer a higher figure ?

Regards

Hi Do not agree to a secured loan unless you have agreed and signed a variation to your IVA to allow this option. You were only advised of a possible remortgage when you agreed your IVA initially, no one ever mentioned a secured loan possibility Let us know how this progresses Regards

Hi Generally bankruptcy is unlikley unless you have assets that can be released. Think hard about failing your IVA, you will be back to square one, your credit file will be affected for the remaining balance of six years and you will be dealing with debt collection agencies who will be very hard wor...

Thanks Michael

Hi

Given your debt level I would look into the possibility of an IVA, this will give you a clear end date to your debt worries
How much are you paying each month into your current DMP ?

Regards

Hi I used Ryan to obtain a mortgage for my children, the case was far from straightforward but Ryan was able to produce a mortgage offer with a High St bank against all the odds The members who have been on this forum for many years will know who I am so when I say that Ryan and his team at Zebra ar...