Do you think I'd better contact the broke or the mortgage company itself?

Sorry, made an mistake on my previous post. It is a Key facts letter. The mortgage company have illustrated that they are regulated by FSA, does it mean our case will be regulated by FSA? In addition, the 'extra' loan (the rest of the money after paying Barclays) will go into the IVA account. Do it ...

Hi, Mike thank you for all your great advices.

The documents state that it is not a legal binding mortgage offer so is it an AIP?

By the way, the mortgage company has approved a mortgage but more than what I need. Would you think that I can just contact mortgage company and ask them to reduce the amount of mortgage that I need. Would you think the mortgage company will contact my agent? If so, my agent may stop them reducing t...

The one who deal with my IVA application and the remortgage application are the same company.
Right, which remortgage company would you suggest to me?

In addition, the information is obtained by the agent. The remortgage that has been approved is far more than the full mortgage repayment to Barclays, does the rest of the money need to put into the IVA account and does the remortgage money have anything to do with the IVA account?

Hi Mike, Thank you for your support previously. I have just got a reply from the IP agent (who dealt with my remortgage application) who claims the remortgage has to pay back Barclays and IVA. Is that true? Do I have to pay back IVA when I remortgage? The total amount of money is too much and I can ...

Right, ok. Thank you very much for your advice.

WouldI be able to apply for the emergency hearing before Barclays starts repossession hearing? and how do I find out if they have started?

I just speak the court manager but she could not discuss it with me and refer me back to the IP.

I have spoken to the IP before I seek you advice in this forum and thus the remortgage is still in process. I have no idea why the commercial property was not included in the beginning.

to apply for a remortgage and to get a court hearing, is that all i can do now?

no, it is not covered

so does the FOS get incole with it?

um...would you please explain what FOS and FSC mean?