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by ellis9905
Sun Feb 24, 2013 11:53 am
Forum: Ask IVA Forum and Industry experts
Topic: becoming a power of attorny
Replies: 2
Views: 899

hi, quick question- does being in an iva stop you or cause an issue for becoming power of attorny ??

my sister is currently 6 months into iva and looking to become a joint power of attorny for my grandfather

any advice gratefully recieved [:)]
by ellis9905
Mon Feb 04, 2013 12:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: big thanks :)
Replies: 2
Views: 874

id like to thank everyone that has answered questions or offered advice- your help and advice has helped us thru our iva- and i am now delighted to say we've done it!! 5 yrs/60 payments done

this forum has been a huge support over the years

so thank you all
by ellis9905
Mon Feb 04, 2013 12:28 pm
Forum: a success story
Topic: ITS DONE!!
Replies: 14
Views: 2767

so we've done it- 60 payments all payed!! its been a long 5 yr road to freedom, with some really tough months and lots of wondering if we'd ever make it thru- but we did :) this forum has been a great place, not only to answer questions but also stops you feeling alone it the toughest of times. so m...
by ellis9905
Fri Oct 12, 2012 1:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: 4 months from end, being hassled
Replies: 9
Views: 1916

we have 4 months to go in our iva!! all has been great, never missed a payment, all running smooth. however in the last two weeks we've had two letters from differnt debt collecting agencies, both chasing payment on the same outstanding debt, of which this debt is included in our iva, both times my ...
by ellis9905
Thu Apr 12, 2012 9:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: some advice please
Replies: 7
Views: 1175

Huge thank you to Tina, you will of given my sister the best nights sleep shes had for ages- your time and help today on the phone has been such a relief to her.

As always your advice and helpfulness is always first rate

[:)][:)]
by ellis9905
Thu Apr 12, 2012 7:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: some advice please
Replies: 7
Views: 1175

thanks for the replies- tina i believe you will of spoken to them today. :)
by ellis9905
Thu Apr 12, 2012 12:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: some advice please
Replies: 7
Views: 1175

so we are nearly at the end of our iva,just 9 payments to go- woowhoo! however my sister has come to realise that an iva maybe the answer for her situation. She has made contact with vincent bond, who have run through her figures and have also said that an iva would be a positive solution for her. t...
by ellis9905
Wed Jan 25, 2012 1:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: MDC- still closing cases? ?
Replies: 9
Views: 1351

Hi,
just to confirm, we spoke to MDC this morning, there are still closing cases- so good news!
by ellis9905
Tue Jan 24, 2012 10:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: MDC- still closing cases? ?
Replies: 9
Views: 1351

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by kallis3 No idea on that one. I don't think we've got too many posters with them. and given my time again, nor would we be! but hey ho, were on the homeward straight now. thanks for the replies, will gi...
by ellis9905
Tue Jan 24, 2012 9:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: MDC- still closing cases? ?
Replies: 9
Views: 1351

Hi,
Does anyone Know if MDC are still closing cases, or are they too caught up in the VAT dispute?

Thanks
by ellis9905
Thu Jan 12, 2012 8:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Let's take a breather and allow ourselves to Dream
Replies: 28
Views: 2739

so if i had done all the correct and proper bits like helping family/charities etc and was able to choose my home..... it would be set in approx 30 Acres of farmland, approached along a tree lined avenue of blossoming cherry trees ( im planning on being so rich they would blossom continously!!lol), ...
by ellis9905
Thu Jan 12, 2012 4:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: this yrs income/expenditure
Replies: 2
Views: 818

time for our last annual review, due to small rises in the everyday items- gas/elec/food etc on paper we have a shortfall. we currently pay £212 ( have done for 4 yrs) and this yr on paper we only have £201.50 left avaliable for the iva payments- what will happen- will our ip ( MDC) just be able to ...
by ellis9905
Wed Jan 04, 2012 1:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: windfall yr after iva payments end
Replies: 5
Views: 2437

well were finally looking towards the end of our iva- 12 payments left- this time next year we'll be done!! unfortunaly both my husband and myself have grandparents who are becoming older and less well. could someone please clarify what would happen in the following circumstances-the iva is in my hu...
by ellis9905
Wed May 26, 2010 8:43 pm
Forum: mortgages
Topic: specialist mortgage recommendation
Replies: 8
Views: 3205

Thanks Melanie, will give them a try tommorrow- and very sound advice about riseing interest rates.
by ellis9905
Wed May 26, 2010 8:28 pm
Forum: mortgages
Topic: specialist mortgage recommendation
Replies: 8
Views: 3205

Hi melanie, from using the online mortgage calculators then the difference between our current rental price of £550 per calanacer month and the total cost of rent and mortgage on shared ownership at £529 is just £21 differnece.( obviously this is at a higher interest rate) The housing association in...
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