font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by AlmostThere30 font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles My pleasure - and I do hope that you get the clarification you desire at the...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by AlmostThere30 font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Desperate Bob Its very straight forward, Get a valuation If said valuation puts you in ne...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Brad.93 I am at my wits end now, I have lost count how many times I have told my creditors that I have an iva but still im getting daily calls and weekly letters. I have informed my IP who in turn have...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles Fantastic result. I do wonder how this would have ended up had you not found this forum? Melanie, that certainly is a sobering thought , and also makes you wonder haw many others may have ...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by kazzafunk I feel for you as for the rest of our working life we will have to be careful (I was medically retired during our IVA). I know how hard it is. The main thing to remember is - how were you cop...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles http://webarchive.nationalarchives.gov.uk/+/http://www.insolvency.gov.uk/insolvencyprofessionandlegislation/policychange/foum2007/plenarymeeting.htm The above link will hopefully take you ...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by villapb Hi Lat, i set up XXXXX as an email you can either send your number to there or info, ill get in touch, i set up the email for privacy....many thanks No email addresses allowed. ADMIN Ive sent y...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by villapb I know how you feel I could cry with frustration, I will let you know outcome early next week, but if ip doesn't listen go to their requlator. I will see how I get on before that......its my la...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Desperate Bob Latitudee, I think it is plain as day that your IVA should finish after 5 years but the worrying thing is that it does not state that it is 85% LTV of the equity for the de minimus £5k ru...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles I've responded on your other post Latitudee - but which IP firm are you with? I don't share the view of your IP. Many thanks Melanie I will respond in the other post rather than maintain t...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by back on track christabelle I was with payplan. I got my redemption statement from my mortgage provider and a valuation from local estate agency.sent it of via e-mail and got an answer next day about th...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by mole That was definitely NOT how it was explained to me. I questioned this as I know I would be a borderline case with likely a very small amount of equity but not at the 85% LTV. I am banking on my IV...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by villapb You are in exactly the same situation as myself and my wife. In our case we are classed as one iva, both had debts. We have equity of 30k but under 85% ltv and have battled for six months but t...

Just to throw something else into the mix, the de minimis clause states.. "In the event that the valuation undertaken at month 54 demonstrates that my share of equity is less than £5000, it is de minimis and does not have to be released, and there would be no adjustment to the IVA term" This is an i...

Hi, I'm in a protocol compliant IVA which should have ended in December 2013 I have the usual clauses in relation to valuation and remortgage at month 54 for up to 85% loan to value. On this basis I have no equity to release. I also have the 5k de-minimis clause that states that if there is less tha...