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by Foggy
Thu Jul 16, 2020 11:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Could I get a 90% LTV mortgage 3 yrs after iva
Replies: 15
Views: 283

Danny ... why not contact Ryan direct ? Then you can get down to the nitty gritty details that you do not want to divulge in an open forum :-)
by Foggy
Thu Jul 16, 2020 11:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Am I doing the right thing?
Replies: 9
Views: 126

I have yes, and i thought i had changed them all over, but this one went out of my old account, so now i'm over-drawn (story of my life). If i get refused, then i guess i'm in even more trouble and the missed payments stay on my file anyway! Different schools of thought : missed payments do demonst...
by Foggy
Thu Jul 16, 2020 11:39 am
Forum: Ask IVA Forum and Industry experts
Topic: Mis sold mortgage claim
Replies: 2
Views: 47

Being similar in nature to PPI it will be treated in the same way.
by Foggy
Thu Jul 16, 2020 11:38 am
Forum: Ask IVA Forum and Industry experts
Topic: Refused an IVA in the past
Replies: 5
Views: 41

speak to a couple of firms and see what their experience of Moorcroft is.
by Foggy
Thu Jul 16, 2020 8:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Am I doing the right thing?
Replies: 9
Views: 126

Car - wise .... your parents cannot lend you the money to buy a car and you cannot pay them back during the IVA --- that counts as further debt and is a no-no. They could, as far as the IP is concerned, purchase a car and allow you the use of it, or gift you a modest vehicle. If you chose, privately...
by Foggy
Thu Jul 16, 2020 8:10 am
Forum: Ask IVA Forum and Industry experts
Topic: Letter of competion
Replies: 2
Views: 97

Some firms take a few weeks, most a few months and some up to ( and beyond) six months. Bearing in mind the recent troubles it might take a little longer than usual.
by Foggy
Thu Jul 16, 2020 8:07 am
Forum: Ask IVA Forum and Industry experts
Topic: Am I doing the right thing?
Replies: 9
Views: 126

I can add nothing more to the brilliant posts above, save to say that you are not alone.
by Foggy
Wed Jul 15, 2020 2:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA registering of interest in my property
Replies: 6
Views: 122

The restriction is normal practice and will be removed when the IVA is completed. It is usually done right at the start and, I am guessing, they have only just noticed that this wasn't done. Failure to agree can lead to the IVA being terminated --- in any event, with or without the restriction in pl...
by Foggy
Wed Jul 15, 2020 11:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Ex partner
Replies: 6
Views: 174

At the end of the day -- if he bullies this through, when they ask him to remortgage, simply refuse then, after paying his IVA for 5 years, it will fail for non-compliance. To place the restriction the IP will need your agreement, which you can also withold. However his respose to that could be to s...
by Foggy
Wed Jul 15, 2020 8:04 am
Forum: Ask IVA Forum and Industry experts
Topic: Ex partner
Replies: 6
Views: 174

A possible work around -- if his IP is of the helpful variety --- if you can satisfy the IP that your ex no longer contributes to the mortgage and that there is no current equity anyway ( and the property market is unlkikely to boom over the next few years, so this might not change) that they exclud...
by Foggy
Wed Jul 15, 2020 7:55 am
Forum: a success story
Topic: Completed at last!
Replies: 11
Views: 4520

Congratulations -- onward and upward :-)
by Foggy
Tue Jul 14, 2020 12:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Could I get a 90% LTV mortgage 3 yrs after iva
Replies: 15
Views: 283

One thing to consider ---- the IVA is still on your credit file .... some lenders when saying "three years after the IVA is settled", assume the thing went the full term and will have fallen off the credit files by then. In your situation this isn't the case. Added to this the current situation and ...
by Foggy
Tue Jul 14, 2020 11:54 am
Forum: Ask IVA Forum and Industry experts
Topic: What do banks do once they get an iva request
Replies: 76
Views: 2198

Tue Jul 14, 2020 11:47 amLahoretiger wrote:
They wont be consired by that ?
It wasn't a secured loan and they should have made their own checks if it was that important. They might not even notice.
by Foggy
Mon Jul 13, 2020 7:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Tax refund - all to the IVA?
Replies: 1
Views: 268

You may be able to negotiate with your IP -- but generally it will be drawn into the IVA.
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