Good evening We have just completed our 6 years in an IVA in September, hooray!!I would like to thank all the posters on here for their valuable information. I have just a couple of last questions. We have today received our completion certificate so onwards and upwards. I have registered with Noddl...

Thank you for the responses.

Thanks for the responses,we are with Mccambrudge Duffy and I must say they have been fantastic up until this point(I'm hoping I'm making a mountain out of a mole hill).My lad who has started the apprenticeship is 17.The other 2 as I say don't contribute due to them having very little disposable inco...

Thanks for the responses,I have just spoken to my IP and it is classed as an uplift therefore the 10% 50/50 applies.At least we don't lose it all.thanks[:)]

I was given this advice by my ip after having the same problems.i then requested illustrations from my personal bank and also the provider of my current mortgage.i explained I needed evidence and they were happy to oblige.Iva now extended for 12 months which in the long term has saved over 11000 pou...

Thanks for this Foggy.I have been into 6 banks/building society's today and all refused to complete an illustration and none of them would provide a letter for proof of evidence to say I had been and asked the question due to me being in the IVA.(will remember that when I do change my mortgage).My c...

Thanks foggy,seems a sensible proposal that.i will contact my I.P this week.

I'm aware of the extra however as I am self employed doing the consultancy work I have to go through tax and n.i at year end.heres a scenario I earned £190,from this I have deducted expenses ie hotel and fuel (had to work away from home)which equated to £110 therefore I have £80 left.after tax and i...

Hi all.In a joint IVA with my wife,she has 2 children who reside with us permanently aged 17&19, I have 2 Children aged 12&17who have been stopping with us twice a week,(often more)thats what was agreed in courts then and also in regards to payments to CSA and what is written in the I&E info on the ...

Here goes,paid IVA for 18 months 400pm.On completing 60 months we have to then remortgage and pay a lump sum of 14,405 this will take our overall payments to 38,405.If I was to put my house up for sale now and it sold could I pay off the IVA plus final fee off 14,405, would this be accepted?The over...

Thanks for all the replies,much appreciated.

Alfiemoon

Did you stick with them and if so was the svr significantly more than what you were used to paying each month?
Thanks

Hi Kallis3.Do I presume that SVR is standard variable rate?we are on a fixed rate at the minute and would want that to continue until after the IVA.Seems you get penalised for being in the IVA even though we have never missed a payment on the mortgage!

Hi Ryan

Our current lender is Santander

Thanks for the replies.I will contact my IP tomorrow to discuss further.