I'm after some advice. IVA completed 2011 but unable to sell our house because of restriction.

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sbusby2004

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Post by sbusby2004 » Mon Jun 06, 2016 6:32 pm
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I'm after some advice me and husband completed our IVA in 2011.

We have now sold our house but have come up against a brick wall the IVA company put restrictions on the house and I'm now trying to get them removed.

My solicitor said we need confirmation from IVA company that they will remove them the problem is my IV A company no longer exists they transferred all there live cases but the closed cases where never passed onto anyone.

So now my only hope is that the land registry will remove them with the completion certificate.

Has anyone else had this problem. Which I had dealt with this 5 years ago when I got the certificates but to be honesty I didn't even realise they had put restriction on the house.
F&F accepted 24th May 2011
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kallis3

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Post by kallis3 » Mon Jun 06, 2016 6:59 pm
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Hi,

Your company should have removed your restriction once the IVA was completed.

Send a copy of your completion to Land Registry and I would also speak to your old IP company to ask them what is going on.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Foggy

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Post by Foggy » Mon Jun 06, 2016 7:01 pm
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Who was your IP ? Which firm ?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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sbusby2004

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Post by sbusby2004 » Mon Jun 06, 2016 7:30 pm
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That's the problem I'm having my IVA company no longer exists they passed all live cases to another company but nothing was done with the closed cases.

The new company have no record of us.

So my last hope is the land registry just wanted to see if anyone else has had this problem.
F&F accepted 24th May 2011
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kallis3

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Post by kallis3 » Mon Jun 06, 2016 7:56 pm
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Which company is the new one?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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sbusby2004

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Post by sbusby2004 » Mon Jun 06, 2016 8:03 pm
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Grant Thornton
F&F accepted 24th May 2011
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Foggy

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Post by Foggy » Mon Jun 06, 2016 8:20 pm
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Contact Aperture -- the IP's from GT are the same. They should have access to the old files, or at least simply remove the restriction.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Foggy

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Post by Foggy » Mon Jun 06, 2016 8:21 pm
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Your IVA belongs to the IP, not the company, and he will have gone to Aperture ( which is still GT but rebranded).
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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sbusby2004

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Post by sbusby2004 » Mon Jun 06, 2016 8:57 pm
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Grant Thornton is the new company the old one was money debt and credit.
F&F accepted 24th May 2011
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Foggy

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Post by Foggy » Mon Jun 06, 2016 9:05 pm
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Ah right -- sorry.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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sbusby2004

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Post by sbusby2004 » Mon Jun 06, 2016 9:14 pm
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No problem thanks for your help will try land registry and see what they can do.
F&F accepted 24th May 2011
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Lisa Thomas

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Post by Lisa Thomas » Tue Jun 07, 2016 9:34 am
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Money Debt & Credit should be able to help or your IP, wherever he/she has moved to. You can locate them here:

https://www.gov.uk/find-an-insolvency-practitioner

Worst case scenario you should be able to send a copy of your CC to the land registry to get the restriction removed yourself.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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kallis3

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Post by kallis3 » Tue Jun 07, 2016 9:43 am
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Do MDC still exist? I thought they were just an introducer (we almost went with them!) and it appears their website is undergoing a reconstruction and all IVA enquiries should be via GT which is obviously Aperture now.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Lisa Thomas

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Post by Lisa Thomas » Tue Jun 07, 2016 10:16 am
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It's still live on Companies House

https://beta.companieshouse.gov.uk/company/05588842

and on Linked In.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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sbusby2004

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Post by sbusby2004 » Fri Jun 17, 2016 6:26 pm
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Spoke to land registry and with cc they will remove restrictions so happy I don't have to keep chasing a ghost.

Anyone coming to end of IVA I would make sure you ask they remove restriction.
F&F accepted 24th May 2011
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