Hi thanks again for the reply I have been working away so just got home and sat down to look at the figures and I am getting more confused. The mortgage team replied to me and said that they had already split the equity so they say we have (using round numbers :) ): £22k equity so we spilt that to m...

Thanks for the replies. We have he Standard Clause of £5k however we have just over £11k equity in the house at 85% LTV. So the clause will apply. Have spoken to Aperture who initially told me there was a back log in the mortgage report dept and they were about 3 months behind! They originally said ...

Thanks again Foggy

I was aware that I was pushing it with the Settled bit but hey it's got to be worth a try

I had missed the spelling mistake so I've corrected it.

I'll give the a call tomorrow and see where we go, hopefully I can move this forward

I've been looking at Noddle fr the last few months and when I started as expected due to the IVA being active my score was low (537) and credit rating was 1/5. As i'm still in the IVA i wasn't concerned with this at all. I logged on last month to find that my score had gone up to 553 (not a big incr...

Hi, And thanks agin Foggy for the reply. I have put together a draft letter, does this look ok? I am working away next week so wanted to get the letter drafted and then speak to my IP on Monday to start the ball rolling. "Dear Sir/Madam Further to out telephone conversation I would like to formally ...

Also my remaining monthly payments total £4530 with 15 months remaining so what would be suitable offer, would £4000 be ok or would it be better to offer £4500?

Thanks in advance

Hi,

Thanks for the reply.

Our IVA's were taken out at the same time but we pay separate payments. So i'm assuming that they are separate IVA's.

What would the best way forward be?

Thanks in advance

Hi, I'm hoping that someone can offer some advice. My Wife and I are in two separate IVA's and we are coming up to our 5th anniversary and have received a letter from our IP (Aperture, formerly Grant Thornton and before that it was Money Debt and Credit) asking us to provide a valuation of the house...