Thanks Foggy,

So basically get it all cleared up and take the hit myself then.

Just another question on this Foggy,

What if i asked to split the IVA so i can pay my side of things off only? would this be an option that saves me paying her half of the IVA?

Does both parties have to agree to split it or can i just tell them that i want to do this?

Yes foggy Peter Jackson, I had called a few times and i have spoken to a couple of people who i couldn't understand and didn't really know what i was asking.

Let's hope that in the department i need its simple.

I think it is Ebengate - Was Vanguard, I have had a few calls with them recently and they are not very helpful one bit :/

Thanks Foggy for your help, I mean does any one of the 3 help get an acceptance quicker or more likely?

Thanks Foggy,

Will they take £100 off each month we are waiting for it to be agreed?

Also what is the best way to approach this? Just contact our IP?

Hello Foggy, Yes they are interlocking, I have just have to take the hit any pay it all myself (My Farther) as its one less thing to think about and sort every year. Do you know how long it usually takes to get a response? Having lloyds as the only creditors is this a better situation than multiple?...

Hello, Looking for some advice, I currently am paying £100 PM in a joint agreement. Myself and my ex have since split up and i'm looking to settled my agreement up and be done with it for good.. We have 2 1/2 years left - £3000 to pay including the 6th year, We only have one creditor (Lloyds Bank) i...

I suppose that if it had no benefit anyway of paying it off only that i can earn as much as i would like is there any other potential benefit if i can't gain credit or begin to rebuild it until 6 years?

Would you recommend to just carry the IVA on as we are or ask Ebengate to split it Foggy?

I want to earn more money at work but i would have to pay half of it back to Ebengate.

Hello Foggy, I asked Ebengate about splitting them and they sounded like they didn't want me to do that as it would incur more costs and be longer ect? I'm unsure but idealy i would like to pay my own and not hers? Can this be done easy? I want to sort my credit out ASAP. I put down £5,500 deposit d...

Hello, Looking to make a F&F Offer to my IP, Just starting 4th Year Now, Currently paying £100.00 PM on a Joint IVA with my recently split partner. Ideally looking to make an offer to make a fresh start and then re-mortage the house in my name only. I'm looking for advise on what to offer? Do you in...

Has anyone had experiance needing an IP’s approval to re-fix a rate?

phlip wrote:

no problem , we where surprised how easy and quick it went through plus we`ve saved nearly £200 a month !

Thats nice to know Philip, may i ask what rate they gave you? I know mine will go up as im on 3.69% now

Foggy,

I'm currently with Leeds BS on a shared ownership deal, It says when i log on 3 months before to select a deal they don't do a credit check and can sign a new deal online. Will Leeds know about the IVA and if so do you think they will just put me on a variable and give me no option to fix?