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by stevie43
Tue Mar 10, 2015 6:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditfix.
Replies: 3
Views: 1914

I was so nervous of ringing. I offered the f&f and the lady I spoke to was so helpful I could have cried. Thanks MrsR for the recommendation. They are going to put forward my offer in May and fingers crossed all will go well. I was so relieved after we spoke. Nothing was too much trouble. A great ca...
by stevie43
Mon Mar 09, 2015 10:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditfix
Replies: 9
Views: 3026

If anyone has any suggestions on this it would be greatly appreciated. Mrsr do you have a name and email address of who you have been dealing with. Thanks
by stevie43
Mon Mar 09, 2015 7:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: figures finally in
Replies: 4
Views: 1841

Thank you Andy. I will email with the offer and mention that. I guess I saw it coming. But even so it's still hard
by stevie43
Mon Mar 09, 2015 6:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: figures finally in
Replies: 4
Views: 1841

Sorry forgot to add pay 322 per montb
by stevie43
Mon Mar 09, 2015 6:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: figures finally in
Replies: 4
Views: 1841

Value of house 80k. Combined mortgage and secured loan of 59318. 60 month in June. Looking to offer 4k end of May as f&f. Does this seem like a good offer. Partner, soon to be ex has offered it as closure so that we can both move on with our lives.
by stevie43
Sun Mar 01, 2015 9:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: PJG
Replies: 12
Views: 3159

How do I subscribe to the ex PjG group. Thanks
by stevie43
Sun Mar 01, 2015 2:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: advice needed pls
Replies: 10
Views: 2270

Mel made it quite clear any bonuses that he got were his own. Unfortunately this is the only time he has had the opportunity to receive this.
by stevie43
Sun Mar 01, 2015 2:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: advice needed pls
Replies: 10
Views: 2270

Thanks Foggy. He will only offer this to conclude the Iva. I was with PJG and still under their terms. I Just want it done now. The uncertainty is making me ill
by stevie43
Sun Mar 01, 2015 1:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: advice needed pls
Replies: 10
Views: 2270

Can a partner offer the money? What if they don't accept. They can't take his money can they. He is not part of the iva.
by stevie43
Sun Mar 01, 2015 1:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: advice needed pls
Replies: 10
Views: 2270

Waiting for the valuer to come out for a forced sale valuation. Yes I have the clause. Thinking there is prob 10k in equity.
by stevie43
Sun Mar 01, 2015 1:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: advice needed pls
Replies: 10
Views: 2270

My partner is hopefully getting a profit related bonus in May. My Iva is due to finish end of June. I have the equity release in my terms and conditions. He is offering me 4k for a full and final. Will he be allowed to do this? What do you think the chances are of it being accepted. Currently paying...
by stevie43
Sat Feb 28, 2015 7:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: Having paid for 5 years I'm now facing a breach because I won't agree to taking a secured loan.
Replies: 5
Views: 2342

Do you mind me asking which company you are with?
by stevie43
Thu Jan 29, 2015 9:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: what do you make of this. Creditfix
Replies: 140
Views: 18246

The issue that greatly concerns me is that they take your partners salary into consideration even if the property is not in Their name? What happens if your relationship breaks down. Affordability you are screwed. The house is mine. The debts are mine. My partner is not going to sign up for a loan o...
by stevie43
Thu Jan 29, 2015 8:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: what do you make of this. Creditfix
Replies: 140
Views: 18246

Clarification from Credit fix. They are classing the remortgage and secured loan as the same thing. All household expenditure will be taken into consideration. Although chances are you won't be approved.
by stevie43
Wed Jan 28, 2015 6:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: what do you make of this. Creditfix
Replies: 140
Views: 18246

I emailed Greg last night. Still waiting on a reply. I will keep you updated.
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