Search found 346 matches

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by everhopeful2011
Tue May 27, 2014 5:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage
Replies: 1
Views: 1722

Our mortgage deal is due to finish and I have rang today for us to go and see a mortgage advisor at the Halifax. Our mortgage is already with the Halifax. We also have 2 secured loans, one with the Halifax and one with First Plus. We are looking to put the 2 secured loans onto the mortgage with hope...
by everhopeful2011
Tue May 06, 2014 10:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit Report
Replies: 4
Views: 2699

Does anybody have an email address for Hillesden Securities Limited please so I can send a copy of our completion certificate to them.

Thanks
by everhopeful2011
Tue Apr 22, 2014 9:34 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cleaning credit report
Replies: 5
Views: 2591

Sorry it is Hillesden Securities that the Argos loan was sold on to not Max Recovery. Do Argos update the credit entry or Hillesden Securities.
by everhopeful2011
Tue Apr 22, 2014 9:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cleaning credit report
Replies: 5
Views: 2591

Thank you for that - much appreciated!!!
by everhopeful2011
Tue Apr 22, 2014 9:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cleaning credit report
Replies: 5
Views: 2591

I have looked at the credit report and cannot find contact addresses or email details for either Santander or Max Recoveery.
by everhopeful2011
Tue Apr 22, 2014 7:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cleaning credit report
Replies: 5
Views: 2591

Hi I wonder if anybody could please give me some advice. I am trying to clean up our credit report as we finished our IVA last June and received our completion certificate at the end of November. It was 6 years on 27th Feb since we started our IVA therefore it has dropped off credit file. I have sti...
by everhopeful2011
Sat Apr 12, 2014 11:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit Report
Replies: 4
Views: 2699

My husband and I are trying tour credit after receiving our completion certificate at the end of November 2013. Our 6 years ended on 27th February 2014. On checking both of our credit reports we both had one debt still showing as a default. Both of these debts were included within the IVA. Mine was ...
by everhopeful2011
Wed Mar 12, 2014 12:22 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit again
Replies: 17
Views: 3587

Yes we are homeowners and we are just about at the end of our mortgage deal. We were hoping to get another deal with them as our fixed rate is coming to an end. If we applied for a payment break would that affect us being able to obtain a new deal. We also have 2 secured loans which we were hoping t...
by everhopeful2011
Wed Mar 12, 2014 12:12 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit again
Replies: 17
Views: 3587

Sorry I meant to say we finished June last year and our 6 years ended in Feb 2014 therefore it came off our file. I am a civil servant so no chance of an employee loan and husband couldn't either. Nobody to assist us financially unfortunately. On a separate note we had a restriction on our home with...
by everhopeful2011
Wed Mar 12, 2014 12:04 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit again
Replies: 17
Views: 3587

Hi again Is anybody able to give any further assistance on this. It is not a new boiler we need but a new cylinder/hot water tank. It is going to cost around £1200 and with 3 teenage boys in the house we desperately need to get it done. The heating is staying on all of the time and making a funny no...
by everhopeful2011
Sat Mar 08, 2014 11:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit again
Replies: 17
Views: 3587

Hi Everyone Feeling gutted today. Hubby went into the Nat West Bank today which is where we hold a basic bank account. He asked if there was any chance of obtaining a loan for them to fix our heating system. The answer was No Chance. You need a regular bank account to even apply for a loan and there...
by everhopeful2011
Thu Mar 06, 2014 9:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Life after an IVA
Replies: 5
Views: 2254

Our current mortgage is with Halifax and we owe approx £80000. We also have a secured loan with them of around £18000 and another secured loan of around £20000 with another lender. We have been able to get other mortgage deals with the Halifax while in the IVA. How likely are we to be able to remort...
by everhopeful2011
Thu Mar 06, 2014 6:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit again
Replies: 17
Views: 3587

Hi Our IVA finished just over 6 years ago and has just dropped off our credit report. Our heating as broken and we need to replace the boiler which is going to cost £1500 to replace. Does anyone know if we will be able to get a loan somewhere and how we go about it? Any help would be really apprecia...
by everhopeful2011
Wed Mar 05, 2014 9:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Life after an IVA
Replies: 5
Views: 2254

Hi I was wondering if anybody could give me some advice please. We had our f & f settlement agreed end of June 2013 and we received our completion certificate December 2013. Our 6 years in an IVA on 27 February 2014. Does anybody know the chances of being able to remortgage as our fixed rate is comi...
by everhopeful2011
Thu Feb 06, 2014 10:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cleaning credit file
Replies: 9
Views: 1866

Hi We have finished our IVA and received our completion certificate in December. I registered with Equifax and Experian for a free 30 day trial and they have both now taken a first payment of £14.95 each. I have sent a copy of our completion certificate to Experian following a telephone conversation...
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