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Will charge on house remain after F&F?
Posted: Fri Aug 27, 2021 10:38 am
by jamie584
We have had a full and final proposal setup for 2 weeks time but the iva company have told me today that even if its accepted by the creditors then the charge will remain on the house for another 4 years, is this normal practice ? Seems like if you offer a full and final then surely that should be the end of it ?
Re: <t>Will charge on house remain after F&F?</t>
Posted: Fri Aug 27, 2021 10:47 am
by Breezy
No -- they are telling you porkies. The F&F will end the IVA and the restriction should be removed.
The IVA will remain on your credit file until 6 years from the start, but the charge on the title deeds should be removed. You are not dealing with Ebenegate by any chance ??
Re: <t>Will charge on house remain after F&F?</t>
Posted: Tue Aug 31, 2021 12:24 pm
by mumof3
Where can I check if there are restrictions on my house?
Re: <t>Will charge on house remain after F&F?</t>
Posted: Tue Aug 31, 2021 12:33 pm
by Breezy
Tue Aug 31, 2021 12:24 pmmumof3 wrote:
Where can I check if there are restrictions on my house?
If you go to the HM Land Registry site you can get a copy of your deeds, which will list all restrictions and charges on the property. Use only the GOV.UK site :
https://www.gov.uk/get-information-abou ... s-of-deeds