Hi again all. Sorry for the lack of posts but here's an update. We've received the news today, in writing that our IVAs will finish in 7 months, thank the lord! In the end we called Mark Love and although we were quite defensive initially, we realised that he has the interests of both parties in min...

Hi again all. Apologies for the lack of contact, but I'm just waiting for something in writing and I'll provide an update. Thanks again for all of your advice and support to now.

We've asked one of the staff at CD today but they apparently don't know, but we have a call with someone at CD tomorrow before we speak to whoever this Gateway company are, so all will be revealed tomorrow. FYI all, we are definitely taking this further but at this moment in time we are complying wi...

Once again, thank you so much all, especially longslog for the guidance. FYI, David Mond has told us that the exact breach (which is section 4.6a) should we not comply would be on the receipt of sums in lieu of equity section (which is in section 4.6). The wording of this reads exactly: I will compl...

We have to contact CD first and they "arrange" an appointment for us with Gateway. I've done the same as you, MikeyM and googled Gateway, but all we know is that the company are called Gateway and nothing else. I have it in an e-mail from David Mond that neither he, nor CD receives commission from t...

We have received a reply from David Mond this morning to our questions: 1 - if we will be in breach if we do not agree to contact Gateway Finance and the exact basis of the breach. Yes I would consider this a breach as it is a reasonable request from me to ask you to liaise with third parties who I ...

Thank you all once again for your posts and advice. I've sent David Mond and the two Cleardebt staff who are dealing with my case three mails since 25th August, one per week with the latest chaser today, but have had no reply at all from anyone. I'm reluctant to call them as I now want to keep every...

Thank you so much for your posts again. Knowing there is support out there from you guys does provide comfort even when possibly facing another decade or so of debt! There has never been mention at anytime of a secured loan. When the IVA was sold to us all discussion took place around the remortgage...

Hi again, all. We have received a reply from David Mond. We have a clause in our agreement under the "Release of sums in lieu of equity" paragraph. His words are "As you will see, you are obliged to pursue all possible avenues to establish whether it is possible for you to release equity from your p...

Many thanks for your informative answers and suggestions. I haven't heard back from CD yet but will let you know their answer.

We're on month 65 of our IVA with Cleardebt.In our agreement(made on 19/4/2010)it states that"I will get two mortgage quotations from reputable brokers or mortgage lenders and then the standard wording of 85% LTVetc.We had around 15k of equity,so attempted to remortgage online,got screen rejections ...

I and my husband have been in an IVA with Cleardebt and have reached and paid month 61. On calling CD back in early March, they advised that the IVA would end with March's payment (month 60). Overjoyed, I called them back to request that in writing, only to speak to another "advisor" to be told that...