Swans_girl wrote:

Hi Vinnie - Tony ( Welshboy) will be able to advise you - you can contact him via the experts link on the left.

Thanks, I'll do that.

andydavie wrote:

Hi
I would think with that size of equity you should be ok. Did your IVA run for more than three years ?
Regards

Hi Andy,

Thanks for the reply. Yes, it did run for more than 3 years.

Vinnie

Hi all, I completed my IVA in June 2006 and am considering re-mortgaging (up to about 50% LTV by the way). I have had a quick internet search for mortgage products generally and one of the products with The Woolwich looks appealing. Does anyone know if The Woolwich entertain ex-IVA's or, alternative...

Will do.

kallis3 wrote:

Let's hope not.

Let us know Vinnie - we will be interested to know.

I didn't read the N/A posts myself but I would like to echo what many of the posters have said in this thread. This forum is so informative and helpful and has been an absolute lifeline for many on here I am sure. Great credit to the "gurus" on here. Your knowledge and advice not only helps us to ge...

Hello all, Another update. I received a letter from CapQuest this morning saying that: "it has been brought to our attention that a number of the accounts within the portfolio of debts that were sold to us are accounts where the debtor is bankrupt. We are investigating all of these and in the meanti...

Hello Melanie, Thanks for the great advice. I will do both - that was the route I was thinking of going down. The only reason I haven't mentioned the creditor is out of my being ultra cautious. I wouldn't put it past employee's etc; of theirs snooping around forums like this (not that it will do the...

Hello folks, Update after time to think and to re-locate some of my archived files (not all of them, still looking for some). The debt that is now being chased by CapQuest was definitely included in the original creditors meeting in March 2000. All creditors voted in favour. My original list of cred...

Needless to say I hope that this is not going to rear its ugly head again. As mentioned you pay into the IVA for 5 years (6 in my case) then a pay a lump sum at the end thinking that you are finally free of the nightmare then bang here we go again. Another angle to consider will be the attitude of t...

Hello, They were definitely included in the original list of creditors. As the first course of action then (bearing in mind there is a deadline date of 6th August to respond to the letter) do I just send CapQuest a copy of the final letter from the IP together with the list of the original creditors...

Hello, Thanks to you all for the advice so far. I'll be searching out the files later today. From memory I cannot remenber receiving a certificate from the IP administrator but I did receive a letter. I guess I must now be OK credit-wise as I received a credit card a few months ago. Thanks again, Vi...

Hi Jan, Thanks for the quick reply. The original debt is 10 years or so old. It was included in the original IVA creditor's list but, as I say, I don't think they collected their share of the dividend three years ago (after the IVA had been completed). Thanks again. Vinnie Hi, Sorry to hear about al...

Hello, I have just this morning received a letter from a collection company (Cap Quest) saying that they have bought my old credit card debt. My IVA commenced in the year 2000 and was completed in 2006. A few weeks after (I think a few weeks anyway - it is all so long ago now and I have archived all...

Hi Oliver, Many thanks for all your help, much appreciated. Best regards Vinnie Hello Vinnie You are more than welcome. Your certificate of completion should arrive in due course but there is no harm in contacting your IP and requesting this. Yes that is quite correct. The IVA will register on your ...

Hello Oliver, Thanks for the reply and apolgies for taking so long to acknowledge your response. I couldn't find where I saved the web link in my favourites and I couldn't remember the exact name of the site!! Anyway, I commenced the IVA in March 2000 and completed it in June 2006. Do I have to requ...