Hi I have been asked to look into a remortgage for the final year of IVA and when i tried to get valuations no one would come out to value as i told them what it was for. Anyway 2 did give me phone valuations which i passed on to me IVA supervisor. The values were &61,000 and £65,000 and my mortg...

Hi everyone, Following on from topic below regarding the remortgage I was asked to look into and the valuation of my house the IVA company have now had an independent firm come and value the property at £82500 which is £6000-£7000 more than any other house has been sold for in the area . I have disa...

Hi I have been asked to look into a remortgage for the final year of IVA and when i tried to get valuations no one would come out to value as i told them what it was for. Anyway 2 did give me phone valuations which i passed on to me IVA supervisor. The values were &61,000 and £65,000 and my mortgag...

I am doing my yearly income & expenditure form and in my income box there is a deductions at source box just under my net monthly income box and i wondered what it was as i cannot think what the amount thats in there tallys to ?

Hi there, I have had phone calls lately and even an email from my IVA company asking if i wish to reclaim PPI on products ive had in the past. Now i know if i reclaim i would need to pass any gains onto my creditors but does this also include any PPI i had on loans /credit cards that are not i the I...

Hi everyone, Been in my IVA almost 18 months and my mortgage that i have a 5 years fixed term on is about to end in June. I am on a 5% fixed and i know that the standard rate for that lender is 2.5% at the moment so what will happen when it finishes in June will my mortgage just decrease , will i ha...

Ok thanks for that

Thanks Guys, Sorry if i sounded abrupt Kallis3 and you didn``t upset anyone. I appreciate your comments as you know a great deal about debt by the sounds of it. I was just confused about the reply but i think Barclays is the best choice to try again as Yorkshire is 1 of our creditors so its a no go ...

Hi, Dont quite understand kallis3 about keeping her DD in order ? She has no bank account or card as COOP have closed it down because of going overdrawn all the time. I know thats foolish but the thing is if you have more going out thans going in and the direct debits are taken when theres no money ...

Hi all, Sent a question earlier this morning but havent received any replies so thought it strange so will post again. My wife and i have a joint IVA but have separate bank accounts that were taken out with the Cooperative bank as a basic account when we applied for an IVA. To cut along story short ...

Thanks for that everyone. The coop are IVA friendly yes but bare in mind we opened a basic account each with coop but as my wife didnt keep her direct debits in order COOP have closed her account , so she has already had a basic bank account so what would be her next step as it doesnt look good ? Sh...

Hi Everyone , Wondered whether anyone could answer me a question please. My wife and myself are in a joint IVA but have separate bank accounts. The IVA is on hold at the moment as my wife has been unable to work for quite some time due to ill health but the IVA company have been good about it.The pr...

Thanks to you all

Thanks for the speedy reply. Does that mean they would take the house straight away or after 2-3 years and lets say after 3 years the house has £5000 equity would they then make you sell it or are you able to get someone to pay that money like a family member. Just want to see what options i have in...

Hi everyone, Posted a while ago and since then things have got worse with my IVA and would like a bit of advice. Been on a payment break for the last 3 months as my wife became ill and had to finish work so we didn`t have enough to pay the IVA. She is getting better but not quite there yet so cannot...