<t>Hi all. Last payment made in March completion certificate arrived start of may. (Apeture) <br/> Defaults disappeared from noddle before IVA finished, IVA still showing as active. Which I have contacted noddle with a copy of completion certificate. So waiting to hear back which they said could be ...

<t>Hi all,,<br/> My IVA is due to finish 22nd of this month after 1 year extension (equity).<br/> I have been on noddle 2 defaults dropped off in January and last 2 dropped off this month?? I wasn't expecting this I thought they would drop off at the end of 6th year??<br/> I have sent final income a...

Hi I'm with aperture I attempted to remortgage online and screen shot the refusal letter, emailed on to aperture. Extended for 12 months, 6 payments to go!!!!!!

Hi I done valuation and tried to remortgage off my own back. Aperture didn't contact me until I sent all information too them. They extended for another 12 months as I expected. 11 payments to go!!!![:D]

Hi all, I'm month 56 getting remortgage refusals/mortgage statement/secured loan balance. I need house valuation, can I use zoopla? As my neighbour bought their property 6 months ago for 220k this is exactly the same house as mine.i have more then 5k equity, so I'm hoping for 12 month extension. Wit...

Hi all I'm coming up to month 54!!! I've had a payrise of £60 a week, do I call GT asking to increase payments by £30 a week? Am I correct in thinking I have to pay 50% of disposable income??? Or do I have to pay all of the £60???

Hi I'm with GT I posted my 5th year review paperwork beginning of February, 17th April received a letter to say no increase in payments.GT might be slow to process reviews but I've never had a issue yet??

The end is getting closer!!!!!!

Hi all I posted a question on here couple of weeks ago, " a 3rd party sum equivalent to 85% of the value of debtors interest in the property. I have spoked to G&T they tell me it's if a family member or friend could pay of outstanding balance... I do hope this is correct and not a secured loan! Soon...

Hi I have checked my paperwork this what it says. Remortgage in month 54 will be at max of 85% LTV. The incremental cost of the remortgage, including cost of any new repayment vehicle will not exceed 50% of the monthly IVA contribution at the date of remortgage. If the amount of debtors net worth of...

Hi thanks for reply, I'm starting my 5th year getting nervous about it all now as I have 90k equity in my property.

Hi thanks for reply.. So no point entering an IVA then? Pay 60 payments to IVA firm which would take a hefty chunk in fees. After that take a secured loan to pay outstanding debt off. Firms making a lot of money from other peoples stress and misery.... If I knew then what I know now I would of staye...

Hi reading the terms of my IVA...
A third party sum equivalent to 85% of the value of debtors interest in the property or 12 additional payments.
Who Is 3rd party?? A secured loan???

Hi all, I'm due to start my 5th year of my IVA. I have 90k equity in our property. The IVA is in my name nothing to do with my wife, also have a secured loan of 18k. I have a 5 year IVA 85% ltv etc,if can't release equity 12 month extension would be added. Reading previous posts people say it's very...

Hi I am 4.5 years into my IVA with G&T they have claimed £8000 in ppi from the creditors. Was told no more ppi to claim back, however RBS contacted me about ppi on a loan I had 10 years ago. This has nothing to do with my IVA, do I need to declare this to ip???

Hi all, I've been reading posts on this forum, one in particular got me worried!! Post read forced house sale to release equity. I'm worried this could happen to me!!! I'm into my 4th year of IVA, my wife isn't in the IVA. We have approx 60k equity. I entered IVA 34k debt I pay £250 per month never...