Hi everyone I'm not a regular poster but did post a few weeks ago looking for some impartial advice about mortgages, renting and selling and just what would be a wise move etc etc. Well we had our house valued yesterday and have made a profit (which we were very happy about) but to move into a bigge...

Thank you for opinions. To be honest we are still no further forward as to what is best for us to do.

Think we are going to find an IFA and have a chat with them and see what they have to say. [:)]

Our IVA run it's course. Think it was 6 years in total as we had a payment break while I had maternity leave.

From what I've read the IVA mortgage brokers all look for a hefty deposit (anywhere from 20% upwards which we just don't have, including any bit of equity we might have in the house)

Thanks Flumpy Dog, we felt so elated to finish our IVA and now we actually realistically feel no better off to be honest. I know it isn't a massively horrible situation to be in, but we just don't relish the thought of staying in the house we are in for another 6 years and still paying interest only...

Hi everyone My husband and I have a bit of a dilemma and we are getting more confused the more we think things over!! So looking for some impartial opinions and then I think we need to speak to an IFA. We completed our IVA in May this year. Whilst having the IVA we maintained our mortgage but had to...

Sorry have now googled credit reference agencies and found the 3 companies.

Can I just check what it is that I want from the agencies, just to update my file with the information that I have completed my IVA and send a copy of my certificate? And also to clear any defaults (if any?)

Sorry again x

Thanks for both replies. I did think that this was just a money making scam and glad I recycled it now! [:)] I have a mobile and all my bills come out of my account every month via direct debit. Everything has been in order so will carry on with this. Will get onto the credit agencies now. Can I ask...

Really interested in reading these posts and it is lovely to read such positive stories. [:D] I have posted in the new questions section but have a dilemma about whether to sell up and rent as we desperately need to upsize. My husband says renting is dead money but I do keep reminding him that with ...

Hello everyone My husband and I completed our IVA in May this year and are now wondering how we can go about 'improving' our credit rating? I have read that the best thing is to get a credit card but when we applied for a high rate card we were declined (obviously because the IVA is still showing on...

Thanks Melanie. I've just read a few other posts about settling early and it all seems a bit of a minefield with large early settlment fees etc. I did read your responses so hoped you might know my answers! Think we need to speak to our IP and see what they advise. We also keep getting lots of junk ...

Hi Everyone Am a newbie to this site but thought I'd pop on here as we have some questions about completing our IVA and no-one really seems to have any answers! We are 3 years into our IVA and have another 3 to go (term was extended as I had reduced payments whilst on maternity leave) Now the last t...