Hi My advice is to use a mortgage broker such as Ryan or Shaun, you can go alone as Sponge has done but you must know how the mortgage market works otherwise you will receive rejection after rejection and ruin any chance of a mortgage offer The question of declaring a completed IVA has been well deb...

Hi Sam Mond has contacted me to say To coincide with Secure Trust Bank exiting the market and to lower the barriers for entry, icount are (from tomorrow until 30th September) refunding the £4.95 application fee to anyone that applies for a Monthly tariff account and loads a minimum of £20 within 30 ...

Hi

We must respect Lisa's professional and experienced advice and opinion on this matter
She is certainly not detached from the reality of being in an IVA

Regards

Hi

I have changed the original posters username

Regards

Hi

If you are in an existing IVA then you will need to contact your Insolvency Practitioner and inform them of your plans

Regards

Hi If you have just had an initial meeting there is still quite a way to go, HB will need to gather documentation from you, verify information and put a proposal together for your creditors. A creditor meeting date will be set and after the meeting you will be informed about the outcome of your IVA ...

Hi I can vouch for the Iccount http://icount.co.uk/ It is headed up by Sam Mond, David's son [Cleardedbt], who I have met on a number of occasions These accounts are useful because you never find yourself with extra unexpected charges and are open to all. A good way forward if you are looking to ent...

Hi It seems poor service on the part of your IVA company, however my advice is to pay the remaining 9 months so that your IVA can complete and you can then look to get the motability car Do you have a family member or friend that could offer the remaining payments in one lump sum so that you could c...

Hi

Yes I would put it under sundries and enclose a note

Is your IP aware of the DWP overpayment ?

Regards

Hi Not quite sure what the problem with Cloudy.45 is, I am the only person that can remove posts and have not had the need to do this. Your contact request has been sent to the other poster and they can make the decision to contact you or not Your tone of posting is now outside of the forum etiquett...

Hi At your annual review you will be asked to state your partners income, this increased income may increase your share of the disposable income and hence your IVA payments may increase. If your partner decides not to co-operate by withholding her income details [quite within her rights to do this]y...

Hi

As others have already stated this money will have to be paid into your IVA

Regards

Hi

Do not pay any money over until the Trust Deed has been accepted by your creditors

Regards

Hi Balance will show as it is until the debt is written off after the IVA concludes. The original creditor/debt should show but may be registered at Experian rather than Equifax. The company purchasing the debt will not report to the credit agency, however if there is a subsequent CCJ this will show...

Hi
Do you have 45 of 60 payments left ?

I would suggest starting at 5k as an offer, there should be some savings on IP fees

Write to your actual IP outlining the offer and stating that it will only be made available if used to conclude your IVA

Good Luck

Regards