Search found 953 matches

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Search found 953 matches Page 1 of 64
by Ryan
Wed Dec 12, 2018 3:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cleaning up my Credit Report
Replies: 8
Views: 482
Hi Bethany, It would be very unusual for them all to be removed - normally the Creditors will amend the default dates to reflect the IVA start date. If you are looking at an Experian report and you have moved address since the IVA began you need to proivde a full 6 year address history to obtain a t...
by Ryan
Wed Dec 12, 2018 10:30 am
Forum: Ask IVA Forum and Industry experts
Topic: I paid my IVA over 5 years but my debt still shows on my report
Replies: 3
Views: 569
Your credit score should improve at the 6 year point when everything should fall off the reports. For mortgages the fact that the 3 credit reports are clear and up to date is more important for us than the actual credit score though.

Regards
by Ryan
Tue Dec 11, 2018 2:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: No response from IVA co.
Replies: 3
Views: 874
As has been said already if you haven't tried calling your IP best to do so. It's obviously a pain having to do so but the sooner things are resolved the sooner the IVA can get completed and you can move on.
by Ryan
Mon Dec 03, 2018 12:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: Any chance of a joint mortgage?
Replies: 3
Views: 3172
As Foggy says you can't take further credit so you would have to settle your IVA. If you were to do so and have access to a large deposit (possibly 25% +) there may be Specialist Lenders that would consider lending to you.


Regards
by Ryan
Thu Nov 29, 2018 2:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: I FINISHED MY IVA IN 2012 AND NOW DEBTS HAVE RE-APPEARED
Replies: 7
Views: 4485
As has been said try not to worry too much as this does happen from time to time unfortunately. Computers have a lot to answer for! Good advice from Kallis on the best course of action.

All the best with it.

Regards
by Ryan
Tue Nov 27, 2018 8:36 am
Forum: Ask IVA Forum and Industry experts
Topic: Update on completion certificate
Replies: 7
Views: 5198
Great news Bex, congratulations.

Regards
by Ryan
Wed Nov 21, 2018 9:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Help...calculations for potential remortgage.
Replies: 14
Views: 7271
If it is just the re-mortgage (not secured loan) route that they are looking at as has been said previously if it were possible it would mean the whole new mortgage probably being at a much higher rate than you are currently paying. If that's not your preferred option we have provided a letter previ...
by Ryan
Wed Nov 21, 2018 8:35 am
Forum: Ask IVA Forum and Industry experts
Topic: It wasn’t a TRAIN.
Replies: 9
Views: 6912
Great post and all the best for the future.

Regards
by Ryan
Wed Nov 14, 2018 4:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit File
Replies: 4
Views: 7416
As Kallis says a default will show for 6 years from the date it is recorded - the start date of all the defaults should be the same as the IVA start date so that on the 6th Anniversary all the reports (Experian, Equifax and Callcredit/Noddle) should be clear.

Regards
by Ryan
Wed Nov 14, 2018 1:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: CC
Replies: 7
Views: 7422
Excellent, great news.

Regards
by Ryan
Wed Nov 14, 2018 8:29 am
Forum: Ask IVA Forum and Industry experts
Topic: Is it possible to get a Help To Buy mortgage while you are in an IVA agreement?
Replies: 2
Views: 7190
As Foggy says not whilst in the IVA, if you were able to settle the IVA early there is a Lender who may consider lending though.

Regards
by Ryan
Fri Nov 09, 2018 5:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Completion certificate
Replies: 14
Views: 6158
Yes it's nonsense unfortunately. We've had quite a few Clients this year who have been taken off after they have phoned them.

Regards
by Ryan
Fri Nov 09, 2018 2:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F Adjourned - AGAIN!
Replies: 25
Views: 7532
It sounds like it should be you getting annoyed. I agree with Kallis.

Good luck with it.

Regards
by Ryan
Fri Nov 09, 2018 9:25 am
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA mortgage question
Replies: 2
Views: 7013
Hi,

From looking at their website they say 'its a mortgage free way of buying a property' - not sure how that's possible unless you have the full amount available in savings so definitely best to read the small print.


Regards
by Ryan
Wed Nov 07, 2018 2:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Completion certificate
Replies: 14
Views: 6158
Pretty much what Foggy said. We've had Clients who managed to speak to someone helpful and they were taken off within 24 hours but it does seem to be luck of the draw sadly.


Regards
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Search found 953 matches Page 1 of 64