Michael, is it Nov 16 or Nov 17 it comes off my file if the IVA had started in Nov 11? Is it 5 or six years as I thought it was 6? My husband could not solely mortgage a property because it's my income which is higher. Apart from Magellan (who I don't like the look of) can anyone suggest any other l...

spoke to someone thanks

Thanks for your reply and confirming this which is great as I was wondering if they could actually take part of my equity even after paying the settlement. I'm also presuming that if I did sell and the solicitor carries out any searches my property will come back as a charge against it? Who gets thi...

Hi, I have offered to pay off my IVA with one lump sum coming from a third party. My IP said it was a good offer and would most likely be accepted. The total agreed amount to pay back was 15k and so far I have contributed 6.5k. The settlement offer I've made is 8k. My question is this: What happens ...

£10k is the sum the IVA company said I owe so that's what I am going to offer...

Having thought more about the renting my property option out I've decided this is not the best route. I'm going to put my house on the market within the next few months (once I know the IVA is closed) at top price and if I get a good acceptable offer then I think I'll just go ahead and sell up and m...

OK so renting my property out could be an option if Birmingham Midshires allow me to do this. If I go through a local letting agent will they ask me for confirmation of a buy to let mortgage or do they not ask for this? Are there any other things I would need to have along with Gas Safety Cert etc? ...

Hi, I had the exact problem so here's what I did. My dad was added on as a director of the LTD company and he opened up the business bank account in his name with me as an additional account holder. 12 months later I removed him as another director and kept my business bank account in my name. You r...

Thank you

Hi luluj, yes I am hoping Ryan will contact me and offer his expert advice, thanks Andy, I've considered this but isn't it illegal to rent out your property without changing to a buy to let? Who's gonna give me one of them! Seriously, I'd do it if it means we can gain that extra space we're desperat...

Hello, Long story short – in 2001 I set up an online electronics company and over 3 years I did not register as a company (call it being very naïve and young). I closed the company down in 2004 when HMRC began their investigation and 3 years later they landed me with a tax bill of £18000. In 2006 I ...