lol thanks for the advice, very frustrating

hi had a letter this morning from IVA co, stating they have not received my signed rx1. and say i could be in default of iva The RX1 was collected and checked by courier who picked up my signed proposal documents. i had difficulty getting it signed in the first place as my ex wife still lives in the...

still hasn't sunk in yet, hopefully another glass of wine tonight will help. thanks for the congratulations

xxxxx

i had my IVA accepted today, dealt with via vincent bond and co then Knightsbridge acting as IP, not as stressful as i thought it would be.

if you need to talk let me know

So relieved my IVA has been accepted today many thanks to Vincent Bond and Knightsbridge, couple of minor modifications but all good despite a nervous day. having a glass of wine to celebrate To anybody considering an IVA its not as daunting as you may think and i thought. I may me at the start of a...

hi just getting myself sorted for start of IVA. switched banks to TSB, noticed they have a feature called money planner which helps you categorise, spending and looks very useful for seeing where your money goes. for anybody needing a new bank account its worth giving this a look as it may be useful...

I just want to be able to live my life without credit. Spent too long relying on it. I regret the day I first used a credit card. Now following marital split I need to get out of debt without borrowing more to do it.

thanks

i just want to get this underway. getting nervous about discussing the rx1 with my ex. i suppose at the end of the day its my equity and should be able to use it to pay off my debts. if need be. just know she is going to be awkward

Had my meeting today. Went quite smoothly. Have been asked to sign rx1 as part of the proposal which I have no issue with. I'm just concerned if my ex refuses to sign. As she lives at property with our daughter

Thanks for all your help. have spoken to Vincent Bond and Co again they have eased my concerns. will await my meeting on Friday and then take your advise on reading the proposal Lesley

Kinda nervous about the phone meeting with IP anybody know what to expect

NevilleBunny. I have been referred to knightsbridge. I have my interview on Friday. this week. Vincent Bond have told me not to worry about equity release, so I'm not sure what they have proposed to knightsbridge. I'm a bit unclear at the moment what are your experiences with knightsbridge and what ...

I'm trying to understand this clause. i still jointly own the marital home with my ex partner who lives there with my daughter.

i am just preparing my iva and wanted to know what would happen if she refuses to remortgage. would i be able to remortgage on my own.

thanks

the equity release is a the thing for me at the moment i personally have around £6k to £8k equity maybe up to 10. my ex lives in the house with my daughter. property still jointly owned. so im guessing i will be asked to release my share at the end. IF i can get a remortgage. can i ask, does my ex n...

good luck with your meeting. hope all goes well. just looking forward to being debt free. i have learned to budget a bit better over the last couple of years as most my wages goes on minimum payments. i would hate to hazard a guess at the amount of interest i have paid over 27 years. I'm guessing 10...

thanks for your kind words everybody, i have spent weeks deciding what to do and arrived the best choice being an IVA.

For your information i have Chosen Vincent Bond & Co.

very easy to deal with so far

anybdy any experience with them?