Hey sponge,Whoever is your IP firm,not DFD or DFS....thank god...have done you a favour! And Mel,once the IVA is complete, it is COMPLETED...Amen. Really we don't want to hear about capturing of winfalls post IVA completion based on added 'extra time'....no this isn't football. It's the Banks fault ...

Creditors act in mysterious ways....omen

just have a good reason to be in debt for an iva proposal,nothing is off limits.....no you have not ruined your chance for an iva by gambling.

Very interesting use of words,vince666,if Ryan can get you an average rate of interest from a high street lender,but you cannot get it yourself from them then it is not prime mortgage is it.It is probably not a branded product if you know what I mean,a special I suppose. Credit to him as high street...

There use to be a lot more of the ryans,now there are very few,some of the specialise lenders Iam sure he will stick two fingers up at on the terms of lending. Before the world went bankrupt, 30k of earnings got 500k of several mortgages,how this was done was was only only known by the devil,then go...

An interesting post,the iva history just get in the way for more years,it will drop off the banks record but not after two years. Yes,specialist brokers can help,they have all aways been around...I rather that we can use normal high street lenders,with probably more competitive rates.....but it is a...

Sorry,an iva record do not disappear after 6 years,the total time is 11 years that includes the banks own record.It was mentioned by a forum dude here.So even the iva drops offs the Isolvency reg the banks still see it. In the Express article today lenders are shelling out less to home loans as they...

Get into credit Again and proof you can manage debt responsibly,never miss a payment as that is a default or draw out cash on a credit card,as it is expensive ripoff lending,creditors see that as a sign of fanancial stress. It will take time to build your your credibility before you can be given £$£...

I think any lack of integrity in disclosure in obtaining debt forgivness from creditors other than a genuine mistake warrants some sole searching.If it was to deprive creditors what is due then that is a serious matter. The iva is a legal agreement between parties and it us about been upfront. I wou...

Creditors look at the circumstance of an offer,6p or 60p to the pound offer doesnt suggest your chances either way.iva is debt forgiveness,if the circumstance are strong enough 2p to the pound is acceptable. I would not be concern one bit on your offer,but be cautiously optimistic.Creditors dont lik...

I mentioned this in other post that creditors work in mysterious ways and an iva success is never 100%.xxp to the pound is often not THE only indicator for an acceptance. Crazy system.

The hard truth of the matter is, Iva firms do not want iva individuals to go after PPI as they can be easily fobbed of with a 'N0',and give up and giving no serious returns into the iva pot -not to mention(as you had alluded to)disincentived to even try and not getting one penny of it. As for an PPI...

Gentleman.... I think from day one,people in an IVA were not encouraged to do their own PPI cliam by their IVA firms,it is only now that it appears you can do it yourself? Question: Did DFD at any time say to the iva individuals, you can cliam PPI on your own(...required under the IVA clause prior t...

It has been mentioned here by a poster that EIF charge 40% in any sucessful ppi cliams....I wouldn't like to say what Matthew Wright would say about this?His expletives would be xxx rated and censored under the 8 O' clock BBC broadcast watershed. You see why this ambalance chasing ppi wagon is on fu...

With spent conviction,you can.... not declare it,and will not be accused of lieing in most cases.Employers will not delve into them. But not with police if course,if they are employers as all convictions must be declared. It is better than full disclosure,but there is no ,spent iva,which is a shame ...