I'm going to email Greg. Get something in writing.

Credit fix are not saying that the third party is via a secured Loan. What they said was I would automatically be passed over to one of their lenders who apply for secured loans with people in IVA. Some are successful some are not. I said the secured loan was not an option for me and I wanted the 12...

I am guessing I will have to wait. The affordability will cripple me. I won't be able to survive and will loose everything.

That's my thoughts exactly. Hopefully one of the experts will along soon

What concerns me is all the things that PJ Confirmed appear to be irrelevant. They have brokers who are sympathetic to people in an IVA.

Just over 10k but the house is in need of tlc. Credit fix are going to do a drive by valuation regardless of whether I submit my own.

Just had a conversation with credit fix. In month 54 PJG said need to try to remortgage. Spoke o credit fix. They said don't worry about that. We automatically pass you on to a broker who can see if you can get a secured loans on the house. Said wasn't willing to go down that route. Opting for the 1...

Thanks Michael. So pleased to have the voice of reason. Done nothing but read all these threads since the takeover. It's worse than when I first made the decision To enter an IVA in the first instance.

Got myself into a bit of a tizzy here I think. If it were PKG I would not be stressing like this.

Sorry for any confusion. It was a letter attached where there was a paragraph just saying re equity or selling. Which led to my misunderstanding.

Just re checked chairman's. Nothing on that in relation to equity. It just states that the dividend may well be enhanced in the event of equity release

thanks Michael. Modifications are from HBOS and RBS all in relation to fees. I had my 4th review with PJG in August 2014 and have a letter clearly stating that if equity cannot be released the 12 month extension will apply.

Thanks. Stomach churning here. I spoke to credit fix today they too asked about t&c and they are getting one of their closure team to call me tom.

Confused here. Just going through chairman's report and it states that in month 54 need to try to release equity or sell. It doesn't say anything about 12 month extension that I can see. It was always my understanding that this was the case and letters from PJG last review confirm that this is the c...

Ok. So we got our envelope this morning. Just about to set up SO do I really have to IVA before the number. Thanks