Hello, I don't know that the above topic will make any sense but my brain is all over the place. I completed my IVA last year, for some stupid reason I thought I would find a job quickly but sadly I haven't and things are absolutely terrible and I'm at my wits end despite multiple job applications b...

Hello, As you may remember I completed my IVA in May with a full and final settlement. Unfortunately I still don't have a job and I'm running out of money even though I'm being very careful and only having one meal a day etc., because I am going for interviews there are a few expenses I'm having to ...

Hello, I just wanted to update you. My full & final settlement offer was agreed a couple of weeks back, and I literally just made the payment to clear it. I offered more than was suggested because I wanted to be sure it would go through, and I'm at the point where I need to get on and get a job now ...

Give Roisin a call if you have a chance. I have forwarded the thread to her and she will be able to help once she knows what your case number is. Alternatively email rmduffy@mccambridgeduffy.com and that should move things along. Thank you Michael, you're so helpful, all of you are on here and I'm ...

Hi Hope17. Do not worry about the shared ownership value as I am sure we will have details of that on file. If we have a valuation and a mortgage statement we can estimate the value of the co-ownership share and that will suffice. I have spoke to Roisin who is the manager of the supervision team he...

kallis3 wrote:

You can contact him via the forum - his details are in his profile and I am sure he can help you.

Thank you - will do. (have tried but it seems to direct me to the general website).

Hello again

How do I contact Michael? Is it via the forum or another way?

Thank you

kallis3 wrote:

Fingers crossed for you! Email Michael directly to see if he can help.

Thank you so much. I think I may do, just feel a bit stressed right now.

I still do not see why you need involve the shared equity company at all. It has nothing to do with them. If you accept the market value at £110,000, they own 25% --- so their share is £27,500 Thanks Foggy, I totally agree but when I asked the person I email at McCambride Duffy, they said I'd have ...

Hello. Didn't want to start a new thread but thought I'd update the title. Had 2 estate agents out. Very different figures. 1 said to start at £119,950 which having carried out research and borne out by the second agent i think is too high. The second agent said I could start at £110k but he'd expec...

Just wanted to add that the way its worded is as 'discretionary compensation' but where I work is facing largescale cuts, our department alone has to make savings and we have already lost 2 people and that's not enough, I'm the newest member of the team and the circumstances are that someone else ha...

Thank you for the quick reply Foggy. I'm with McCambridge Duffy. I think i must drive the poor person i contact mad so I'm trying to leave them alone a bit now, but it's just hard cos I'm a born worrier. I'll see where tomorrow takes me, and then how it's calculated from there. Thank you again x Ah...

First of all you have very little equity and no need for an extension to the IVA. The mortgage and second charge alone are in excess of 90% of the value of the property so you have nothing to worry about on that side. In redundancy you normally keep six month's living costs and continue on as norma...

Thank you for the quick reply Foggy. I'm with McCambridge Duffy. I think i must drive the poor person i contact mad so I'm trying to leave them alone a bit now, but it's just hard cos I'm a born worrier.

I'll see where tomorrow takes me, and then how it's calculated from there. Thank you again x

Hello, I posted last week and Foggy and Michael were very helpful so thank you. I’ve arranged for 2 estate agents to come out to visit my house tomorrow for a free valuation. I just wondered if I could pick your brains a bit more as I just want to have an idea of chances re full and final. It’s just...