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by iva_squirrel
Wed Sep 19, 2007 4:13 pm
Forum: postbag for september
Topic: Definately having a BAD time right now
Replies: 37
Views: 3641
I really hope it all get sorted out as soon as possible. I know its difficult but try to remain calm.

Regards,
Michelle P.
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by iva_squirrel
Wed Sep 19, 2007 10:23 am
Forum: full and final settlements
Topic: Hope for everyone! F&F accepted.
Replies: 7
Views: 1732
Hi bobby and congratulations!!!
Good luck for the future.


Regards,
Michelle P.
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by iva_squirrel
Wed Sep 19, 2007 10:18 am
Forum: postbag for september
Topic: is there a risk of me losing my house at anytime
Replies: 7
Views: 1434
Hi amanda and welcome,

An IVA is not the best solution for your debt problems. You have enough equity to pay your creditors back so i would suggest you remortgage and pay off your creditors.

Regards,
Michelle P.
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by iva_squirrel
Wed Sep 19, 2007 10:13 am
Forum: postbag for september
Topic: will i ever be able to get a mortgage again
Replies: 6
Views: 1538
Welcome to the forum prc, Once your IVA is concluded it will be taken off the insolvency register but will remain on your credit file for a total of six years from the date that it first started. It will have little effect on your ability to take a mortgage. Your IVA wont affect your friends credit ...
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by iva_squirrel
Wed Sep 19, 2007 9:55 am
Forum: full and final settlements
Topic: F&F offer ACCEPTED!!!!!!
Replies: 9
Views: 1906
Hi kandh,

Thats great news! Thanks for letting us know!!!

Regards,
Michelle P.
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by iva_squirrel
Wed Sep 19, 2007 9:47 am
Forum: friends corner: chat in 2007
Topic: I want to say sorry!!
Replies: 8
Views: 1780
Hi zoe,

nice to hear from you. Im glad to hear your life is going well. Hope you are well.

Regards,
Michelle P.
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by iva_squirrel
Tue Sep 18, 2007 9:34 am
Forum: full and final settlements
Topic: Full & Final payment offer
Replies: 6
Views: 1845
Hi Rich,

That seesm like a very good offer. Have you spoken to your IP about this?

Regards,
Michelle P.
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by iva_squirrel
Tue Sep 18, 2007 9:31 am
Forum: postbag for september
Topic: We can keep the car!!!
Replies: 17
Views: 2114
Very pleased to hear that you can keep the car.
Well done.


Regards,
Michelle P.
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by iva_squirrel
Mon Sep 17, 2007 5:22 pm
Forum: full and final settlements
Topic: F&F meeting today
Replies: 19
Views: 2721
Good luck kandh,

Try to be positive. Dont forget to tell us the results.

Regards,
Michelle P.
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by iva_squirrel
Mon Sep 17, 2007 12:38 pm
Forum: IVA completed !!
Topic: 27th September IVA (Full and Final) was approved!
Replies: 29
Views: 4762
Hi churchill,

It looks ok, i think you wont have a problem with Halifax.
Good luck for your creditors meeting.

Regards,
Michelle P.
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by iva_squirrel
Mon Sep 17, 2007 12:13 pm
Forum: postbag for september
Topic: do i need to include my partners income
Replies: 10
Views: 1791
Hi matthew and welcome,

This is a normal procedure so that you can both demonstrate that you are paying a fair share towards household bills.

Regards,
Michelle P.
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by iva_squirrel
Mon Sep 17, 2007 10:40 am
Forum: IVA approved!
Topic: yes!!! F&F approved - thank you everyone
Replies: 8
Views: 1864
Great news CB!!

Well done and good luck for the future!


Regards,
Michelle P.
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by iva_squirrel
Mon Sep 17, 2007 10:37 am
Forum: postbag for september
Topic: New to forum and starting IVA
Replies: 10
Views: 2063
HI Maz,

Thanks for sharing your experience with us. Good luck with your IVA and i hope you keep posting!!

REgards,
Michelle P.
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by iva_squirrel
Mon Sep 17, 2007 10:33 am
Forum: postbag for september
Topic: would it be possible for me to pay the IVA off
Replies: 2
Views: 1196
Hi richtree and welcome,

I believe that money will be considered as a winfall. I suggest you speak to your IP and find out if that money will be enough for a full & final.

Regards,
Michelle P.
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by iva_squirrel
Mon Sep 17, 2007 10:25 am
Forum: postbag for september
Topic: recently moved in with my boyfirend
Replies: 3
Views: 1348
Welcome to the forum naliea,

You will likely be committing to a joint income and expenditure budget but he wont be included in your IVA.

Regards,
Michelle P.
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