Thank you for your responses,

I am looking at moving and need a pesky mortgage, I thought would have a look at some of the main high street lenders application forms to get a feel of the kind of questions they may ask on their forms as I will not commit mortgage fraud by lying. however, a very prevalent high street lender has th...

thank you all for taking the time to reply, I shall take a look at the various resources.

on Saturday I received my completion certificate from PayPlan, I have to say considering I paid-up the IVA early (was due to finish in Jan I paid in September) I have been impressed with their service. I know some have had issues but they have been very good to me. The letter doesn't really give a c...

Yes there was 10k and it was with northern rock. Sorry I am not very good at explaining myself. My chairman's report states 20k in total debt but my creditors inform has my mortgage of 10k totaling 30k this is what's confused me. Is it a clerical error on behalf of payplan?
Really appreciate your help

Thank you Foggy, to explain further I took a 100% mortgage back in the day when they were about, as part of the conditions there was a secured element. I have never missed a payment on this and have not allowed it go in to default as its a joint mortgage with my wife but she is not in a IVA. Does th...

<t>Hi,<br/> Looking through my iva paperwork with payplan, I have noticed that my chairman's report has 3 creditors totaling 20k however under the creditors section there is an additional creditor (my mortgage company due to secure part of loan) so my question is due to this element not being on my ...

hi, I started a new job just recently, in my last job i was paid outstanding holiday pay which will take me over the 10%. what's the process for holiday pay is it classed as a bonus?

hi,
I started a new job just recently, in the last job I was paid outstanding holiday pay which will take me over the 10% for the month. what's the process for holiday pay is it classed as a bonus?

many thanks

Thank you for the reply. Will this have any detrimental effect on my Iva when it comes to finishing it in 3 years time?

<t>I am 3 years in to an Iva, it's a single arrangement with the exception being the mortgage which is in joint names. We took out a 100% mortgage in 2006 80% was secured with 20% unsecured. So my question is this. I was advised to stop paying the unsecured element of our mortgage which my wife refu...

Thank you for the reassuring words, b***** credit crunch has a lot to answer for #128512;

thank you for the advice, I am two years in to an IVA and I just cant stop thinking I have made a bad decision entering it in the first place. My wife is desperate to move she knows I am tied up for the next well 4 years now so nearer the time I will of course contact somebody.

I am in in iva, I have a joint mortgage with my wife but the mortgage has no missed payments. When my iva finishes will it be possible for my wife to apply for a mortgage as we need a bigger home. I am happy not being on the deeds and will the bank recognise my wife's borrowing potential if I agree ...

Thank you Foggy,

Andy, no nothing drawn up, should have been clearer in original post, its only the unsecured part of the mortgage about 10K worth not the whole amount.