Search found 27094 matches

Search found 27094 matches Page 1 of 1807
by Foggy
Thu Oct 18, 2018 6:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: No contact from IVA company
Replies: 32
Views: 1142
Yes, the generally accepted method is Open Market Value x 85% less outstanding mortgage and secured lending = available equity
by Foggy
Thu Oct 18, 2018 6:55 pm
Forum: Disputes and IVA Mediation
Topic: sale of property
Replies: 11
Views: 235
They are still operating as far as I am aware -- just offloaded the IVA side of things. Try their online contact form and address it to David Mond. His email used to be david.mond "at" cleardebt "dot " co "dot" uk Thanks for that Foggy i have emailed David Mond and had...
by Foggy
Thu Oct 18, 2018 5:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: RX1 lifted?
Replies: 2
Views: 153
If it is still on the title it will show in the title register. It will take a couple of weeks to filter through I would imagine.
by Foggy
Thu Oct 18, 2018 5:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mis-selling of mortgage/tax code
Replies: 1
Views: 153
I assume the extra year is because you are a homeowner and this is in respect of equity release. If so this is standard and is written into the agreement. If not -- have they said why ?
PPI, again. is standard. Mortgages and tax codes I feel are just going too far --- where will this end ??
by Foggy
Thu Oct 18, 2018 5:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: Noddle Credit Score
Replies: 1
Views: 151
Ok, I completed my Iva and have completion certificate. How can I raise my credit score, I’ve checked on Noddle and it shows 2 accounts still in Default but does show in Public Information as Iva Completed. Hve a read here: https://www.iva.co.uk/what-does-an-iva-do-to-your-credit-record Not a lot w...
by Foggy
Thu Oct 18, 2018 4:34 pm
Forum: Disputes and IVA Mediation
Topic: sale of property
Replies: 11
Views: 235
They are still operating as far as I am aware -- just offloaded the IVA side of things. Try their online contact form and address it to David Mond.

His email used to be david.mond "at" cleardebt "dot " co "dot" uk
by Foggy
Thu Oct 18, 2018 4:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditfix annual review
Replies: 2
Views: 166
You do not have to give them this third party access to your account, they can work with paper copies as before.
by Foggy
Thu Oct 18, 2018 4:20 pm
Forum: Disputes and IVA Mediation
Topic: sale of property
Replies: 11
Views: 235
Have you discussed this with Aperture ? Are they expecting a lump sum for you to catch up or are they going to extend the IVA to cover the missing 9 months -- in which case it will not end until next September ?? he I have discussed with iva company they are doing a variation to remove the property...
by Foggy
Thu Oct 18, 2018 3:57 pm
Forum: Disputes and IVA Mediation
Topic: sale of property
Replies: 11
Views: 235
Have you discussed this with Aperture ? Are they expecting a lump sum for you to catch up or are they going to extend the IVA to cover the missing 9 months -- in which case it will not end until next September ??
by Foggy
Thu Oct 18, 2018 3:30 pm
Forum: Disputes and IVA Mediation
Topic: sale of property
Replies: 11
Views: 235
Why have you done an extra year I informed the ip I was getting divorced and that I could not remortgage the property OK -- so the extra year was the extension in lieu of equity it seems. In which case the property has been dealt with and should be of no further interest to your IP. Your IVA should...
by Foggy
Thu Oct 18, 2018 2:49 pm
Forum: Disputes and IVA Mediation
Topic: sale of property
Replies: 11
Views: 235
Why have you done an extra year ?
by Foggy
Thu Oct 18, 2018 1:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Affordability Passport
Replies: 4
Views: 218
It shouldn't affect your relationship directly -- but I wouldn't give any third party any access to my accounts.
by Foggy
Thu Oct 18, 2018 12:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: Another Mortgage Question!! Completed IVA
Replies: 4
Views: 232
I would go for a broker. I have seen a couple of instances here where the lender has proceeded with house hunting and started the process based on a DIP, only to be refused at the last hurdle !

You could strike lucky ( I have seen that too), but I wouldn't like to take the risk.
by Foggy
Thu Oct 18, 2018 12:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA approved!!!!!!!!
Replies: 4
Views: 224
So pleased for you -- welcome to your journey. We are all here with you.
by Foggy
Thu Oct 18, 2018 12:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: Extra income whilst in an IVA
Replies: 2
Views: 226
A permanent increase in income (pay rise) is, assuming you have the usual clauses, ignored (although should be reported to the IP) until the annual review following the pay rise, then 50% of the net increase will be added to your IVA payment from the month following. Occasional increases ( overtime,...
Search found 27094 matches Page 1 of 1807