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by Foggy
Tue Apr 23, 2019 5:31 pm
Forum: mortgages
Topic: Mortgage after iva
Replies: 3
Views: 26

Ok thanks for information. We have a appointment soon ,so if doesn't go well. Will be in touch with the two you advised. Thanks I don't know who your appointment is with but do tread carefully. We have had a few instances where a broker, with less knowledge than they actually had, told the client a...
by Foggy
Tue Apr 23, 2019 5:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Full and final accepted
Replies: 2
Views: 21

Congratulations -- let's hope the certificate arrives sooner, rather than later.
by Foggy
Tue Apr 23, 2019 3:08 pm
Forum: mortgages
Topic: Mortgage after iva
Replies: 3
Views: 26

You are very likely to be asked about it and it is best to be honest ( they might already know the answer!). I would suggest a chat with Ryan and / or Shaun, who are both whole of market brokers, from different firms, who have extensive knowledge of the adverse credit market and both have helped man...
by Foggy
Tue Apr 23, 2019 3:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: Need to discuss IVA option
Replies: 3
Views: 52

I would suggest a chat with a couple of providers at least, to compare advice and see who you "gel" with. Also ask here for opinions when you have a short list.
by Foggy
Tue Apr 23, 2019 12:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Variation meeting agreed
Replies: 1
Views: 65

PPI is a standard issue, but they do not have to withold completion purely because of that -- as advised by their regulatory bodies some years ago ! Tax refund -- if it arose during the life of the IVA it belongs to the IVA, regardless of completion. Again the IP does not have to withold completion,...
by Foggy
Tue Apr 23, 2019 6:44 am
Forum: Ask IVA Forum and Industry experts
Topic: One year extension?
Replies: 3
Views: 136

If you have the usual clauses you need to have at least £5,000 in your share of potentially releasable equity before the equity release provisions are triggered. Check your paperwork -- it will all be in there. But, yes, if you do have more than £5k, you will have to attempt to release it or extend ...
by Foggy
Tue Apr 23, 2019 6:41 am
Forum: Ask IVA Forum and Industry experts
Topic: PPI already claimed
Replies: 1
Views: 127

Yes they can. Indeed the Ombudsman has, on several occasions, advised repeated claims due to the fact that the banks keep denying genuine claims ! They will, apparently, often pay out on previously refused claims, as well as increase previously awarded amounts.
by Foggy
Mon Apr 22, 2019 12:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Full & Final offer
Replies: 5
Views: 192

Most firms do take 2 - 3 months, some take 6 or more and some seem to have to adjourn several times. When Aperture brought out early exit loans a few years back, they suggested a 10% reduction on the outstanding balance for each complete year saved as a very broad guideline. But other factors are al...
by Foggy
Mon Apr 22, 2019 12:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Removing new default notice
Replies: 2
Views: 148

First they have to date them correctly --- ie the date of the stat of the IVA --- if that was more than 6 years ago that would mean they drop off into oblivion. Use the template in this article: https://www.iva.co.uk/what-does-an-iva- ... dit-record
by Foggy
Mon Apr 22, 2019 8:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Full & Final offer
Replies: 5
Views: 192

By the time a F&F is prepared and voted on you will be saving around a year, so, yes, the wriggle room is much reduced. I would have gone in with £6k, maybe £5750. But, as I always say --- I have seen very low offers accepted, as well as generous ones refused.
by Foggy
Sun Apr 21, 2019 12:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage help
Replies: 13
Views: 407

We were advised to get credit and use it and pay it all off to show we are capable of doing so and also to try and have a large amount of credit here and there not in use so again we are showing lenders we arent what an iva might portray us to be. It's a very fine and difficult balancing act. Too m...
by Foggy
Sat Apr 20, 2019 12:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Charging Order
Replies: 2
Views: 301

It is not (should not be) a charge -- it is a Restriction. CF can remove it in a few days by submitting an RX4 to Land Registry.
by Foggy
Sat Apr 20, 2019 8:23 am
Forum: Ask IVA Forum and Industry experts
Topic: Car finance
Replies: 2
Views: 352

They can refuse and you cannot challenge it, other than trying to appeal to your IP's good nature. You have agreed, in your proposal, not to seek further credit over £500 without their permission. You are insolvent -- taking further debt from reputable lenders will be nigh on impossible. If your IP ...
by Foggy
Sat Apr 20, 2019 8:18 am
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage help
Replies: 13
Views: 407

Might I suggest a chat with Ryan and / or Shaun. They are two whole of market brokers with experience in adverse credit and both have helped many forum members. They can be contacted through the details in their profile pages here: Ryan : https://www.iva.co.uk/forum/memberlist.php?mode=viewprofile&u...
by Foggy
Fri Apr 19, 2019 8:49 am
Forum: Ask IVA Forum and Industry experts
Topic: Max recovery
Replies: 7
Views: 449

Thanks Foggy So will I keep getting these for years to come?? Can I get them stopped? They are dated April 2019, 6 months after the completion of my IVA they won't be chasing me for money will they? Thought this was all sorted with being in an iva. As the debts become older they will be less likely...
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