Hello every one Wish you all a happy New year I completed IVA in 2009 having been in iva for about an year and half,with a full and final payment.My credit file is clean as for as I am aware. I am 66 now and had a mortgage of 250.K Have retired recently and receive a pension and old age pension of a...

Dear all. I completed my IVA a couple of years ago,with Full and Final payment. I am coming to 65 in June. I have a interest only payment at present,which will finish in about 3 years time. I intend to work beyond 65 and would like to extend my Mortgage, My prsent lender may extend it to me reaching...

Hi all I was in IVA for about an year and half and completed it by Full and Final payment abou two years ago. I do not know what my credit rating is, I am thinking of applying for a credit card to improve credit rating. I am wondering whether it better to check my credidt rating before applying. Rec...

Hi every one. Some people may know me om this forum. I completed IVA by making a Full and Final payment, I yhink a couple of years ago. I don not know what my credit scoring looks like. I want to build up my credit rating, hence am thinking of applying for a credit card. I have recently received a V...

Dear all. I have completed my IVA about two years ago. I have a mortgage of 250000 pounds and paying 1200 pounds per month in interest only payment, which will end in about 5 years time.I can take retirement and pay off some of the mortgage. I am not what the propert is woth now, may be about 260000...

Dear all, I hope one of the experts will be able shed some light on the issue below. As the regulars know I eneterd in to IVA in july 06 and have just completed with a full and final settlement. Now I have received a statement from Bank of Scotland Visa card for outstanding balance,though interest h...

Dear onlypassion. I used Granton Thornton and they have been excellent. I have recently concluded my IVA with a full nad final settlement. I was in IVA a little under two years. Grant Thornton are a reputable accountancy firms of many years. Dawn Shelly, mentioned on this forum set up my IVA. I hope...

Dear chrs8. The more you see the more you get confused. you may have aready done enough research. Melaniegiles and David Mond regularly post,some times several times a day on this forum and you should seriously consider them. I am with Grant Thornton,a repuatble firm of long standing.I have had a ve...

Dear Mr Mond,

I shall be interested to attend.

hara.

Dearjc1180,

When you make a proposal you can have a clause included to have 4th year remortgage requirement removed.

You can have a read through my posting under heading, Relief, which I have posted recently.

with best wishes.

hara.

Dear all,

What is shared ownership?

How does it work?

Thanks.
hara.

Dear sparklywatcher, You have come to the right place for support,of which you will have a lot on this site.It is honest and does not cost a penny. There are two Insolvency practitioners who regularly post on this site.Melanie Giles and David Mond.I am with Grant Thornton, a reputable firm.I have a ...

Dear Kallis3,

I may come, will let you know soon.

I do not have a credit card and have to pay by debit card,co-op visa electron. Will they accept a debit card?

Thanks.
hara.

Dear lou 2497. You stand a very good chance of a full and final settlement. I will give my case as an example to think about. I started IVA in july 2007,my debts were far higher and had a 4th year equity release. As I considered the future,it became evident that letting the IVA for the full term wou...

Dear Buddy 65, You have come to the right place to seek free advice on various topics,support when you are feeling down. There are some very good people on this forum. Also the forum members meet once in a while at various places to have a chat and invite people to talk. I have made a full and final...