Thanks Foggy. I do remember yours being the same time as mine. I think I'll copy you and wait. No point doing something if we don't need to at this stage. I didn't realise clearscore was Equifax, I know noddle and callcredit were same, I quite like noddle, its a nice layout and easy to understand. T...

Hi all again, how you all doing? To be honest I didn't expect to post a question again, though I've occasionally lurked and read help and info that you good folks post. But I need some advice, and I have scoured the forum and read a lot of replies but they don't all cover fully what I think I need t...

I know that bit hun, I've followed that PJG Link, I've got a report from Callcredit, it shows one default (correct date) for one creditor and in closed accounts it shows one name which I am assuming is for all the debts. Thanks re register, at least I know come easter it won't be showing on their an...

Ok so I should have pressed the button that says closed accounts, it shows MAX recovery as Satisfied. I think all our debtors ended up passing on the debts to Max as we would get the six monthly reports from them. I don't know if I should still be writing to anyone now LOL, I think I'm going to have...

I've been a member of this forum for over five years, you've all seen me go through the set up, acceptance, redundancies and life of the IVA...and now its finished, paid, done with. Last payment went out on Nov 28th, Creditfix have been so fast with it all and we've already got our completion certif...

If you both have an iva then it will effect it yes, depends who you are with as to whether they want to change payment straight away or as kallis said wait till review. During our IVA we've had only one payrise and they waited until the review. its like when payments/bills change in the year you don...

Congrats JED, isn't it a marvellous feeling. We sent our own review in May and then our own house valuations etc in June...never heard a thing. Wrote to them last week saying we were concerned as we are nearing the end. Got a phone call today she said that basically they work on the 'no news is good...

The reviews we had with PGJ always said 14 days as well. I wouldn't worry. If there is an email address anywhere on the letter why don't you drop them a brief message that says something like I am writing to confirm I have today received your letter of 2nd June. I will be completing the review withi...

Gawd winter, it never seems to end does it. We all know we are responsible for these debts and never wanted to take the route we had to, but to be led down the path and then sent on a different route when we are so close to the end of the journey is horrendous and scary all over again. Who is your I...

I'm going to send a covering letter with my paperwork, laying out my calculations based on the information given me five yeas ago. Then if they decide its different they can explain back to me in the same way.

Eh??? So if its over £5000 say £8000 you end up paying over the full £8k....In all these years I've never know it to be that. I always understood it to be anything over the £5k...that's totally thrown me

This wasn't a modification, I remember clearly that none of the modifications were to do with the equity. Its in the original Chairmans Report that was sent to us to sign. I'm thinking that this is probably the wording on most of the reports that commenced around the same time with PGJ, I don't see ...

So if there is £7000 total equity, less the £5000 de min so £2000 to pay into IVA but it costs £2500 to set it up, surely that would actually reduce the amount of equity that's available, therefore it takes it under the £5k dm. thanks Michael, sorry for questions, I'm one of those people that has to...

LOL that's true re the mortgage, but I was wondering because of the wording on my other post about cost of realisation. I'm assuming that for the calculations on the original sheet, they put in what it would cost to get the remortgage and therefore that reduced the amount of equity that would be ava...

I must be boggled because I can't make my head understand what you mean Michael in your last but one post, sorry. ''This does not refer to a remortgage at 85% loan to value so for example you have a jointly owned house worth £100k and a mortgage of £80k. Under Protocol a remortgage at 85% loan to va...