Search found 761 matches

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Search found 761 matches Page 1 of 51
by abbiesmum2003
Tue Jan 15, 2019 9:33 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F accepted
Replies: 4
Views: 485
Great news! well done! We got ours from Creditfix after 2-3 weeks. was only in October but seems an age ago! It was the only thing they were speedy with and that I didnt have to chase!!!!! The ‘certificate’ is nothing fancy so dont get overly excited! White sheet of paper with a typed sentence on it...
by abbiesmum2003
Mon Jan 14, 2019 8:45 am
Forum: Ask IVA Forum and Industry experts
Topic: Quicker way to get a mortgage?
Replies: 25
Views: 1526
Have you had a look on the register yet Susie? As Foggy says you need to get in touch with the IP who is supposedly handling your case. And no I wasnt interested in what I was paying them because like I said the money goes in a pot and is shared so one will get more than another depending on what I ...
by abbiesmum2003
Sun Jan 13, 2019 8:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: Quicker way to get a mortgage?
Replies: 25
Views: 1526
You know what you pay each month based on your income/expenditure which is discussed at the very start of entering IVA. This willbe in your paperwork. It doesnt change each month unless you have overtime. Its set from the very start. It is reviewed if you have a payrise or circumstances change that ...
by abbiesmum2003
Sun Jan 13, 2019 7:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Quicker way to get a mortgage?
Replies: 25
Views: 1526
Exactly Foggy. I dont think I found out what we paid to each until the end! lol! Susie do you have the chairmans report and proposal which should detail what you owed to who and what your income/expenditure is? There seems to be a huge hole in what you know about this legally binding agreement. The ...
by abbiesmum2003
Sun Jan 13, 2019 6:34 pm
Forum: Ask IVA Forum and Industry experts
Topic: Quicker way to get a mortgage?
Replies: 25
Views: 1526
If you have an IVA you will be on the register. If you search on Google for ‘IVA register’ it should come up. I dont know what you mean about look like nearly paid off according to credit report. Rarely do IVA companies send reports of debts. We got an annual statement of what was paid to who. your ...
by abbiesmum2003
Sun Jan 13, 2019 4:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: Quicker way to get a mortgage?
Replies: 25
Views: 1526
Oh wow. No wonder youre confused and unsure what you can/cant do. As youve found out an IVA is legally binding and restrictive on your finances. Are all the debts in your name? Is Ex husband included on anything? The company should complete annual reviees of your income and outgoings to decide on yo...
by abbiesmum2003
Sun Jan 13, 2019 9:17 am
Forum: Ask IVA Forum and Industry experts
Topic: Quicker way to get a mortgage?
Replies: 25
Views: 1526
Sorry you feel that way. But if you hadnt started an IVA and had lots of unmanageable debt you still would be trapped (without a way out) and still wouldnt get a mortgage. I know you cant see it right now but the iva is a way out to a better debt free life. Why are you hammered for more money each m...
by abbiesmum2003
Sat Jan 12, 2019 9:59 am
Forum: Ask IVA Forum and Industry experts
Topic: Quicker way to get a mortgage?
Replies: 25
Views: 1526
haha! Sorry Foggy!!!
Ok ‘great’ perhaps not the best word but you explain the bad news well!!!!
by abbiesmum2003
Sat Jan 12, 2019 9:36 am
Forum: Ask IVA Forum and Industry experts
Topic: Quicker way to get a mortgage?
Replies: 25
Views: 1526
This should have been explained at the start of your IVA. You will be extremely unlikely to be able to get a mortgage whe in an IVA. Very few if any lenders will touch you with iva in progress. As Lulu said it would be best to concentrate on iva and getting that completed. If cancel it now your cred...
by abbiesmum2003
Fri Jan 11, 2019 9:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Going for Iva need a new bank
Replies: 7
Views: 1469
Weve used Natwest for nearly 6 years (not sure if thats a creditor for you or not). Got a basic account and it has been fine. Not contactless but I dont like that anyway. Mobile app is really good and useful too.
by abbiesmum2003
Thu Jan 10, 2019 9:04 am
Forum: Ask IVA Forum and Industry experts
Topic: 2nd Creditors Meeting
Replies: 8
Views: 2123
Good morning. Far from telling you to jog on. This is supportive and friendly safe place. I hope you feel welcome and continue tonshare the outcome. I felt terrible entering IVA and a failure. Myself and husband made sure our allowances were listed as being realistic and affordable to maintain a sui...
by abbiesmum2003
Tue Jan 08, 2019 9:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Car insurance
Replies: 7
Views: 2371
I have swapped between AA and RAC theoughout my iva and able to pay monthly throughout.
Hope you can get it sorted.
by abbiesmum2003
Mon Jan 07, 2019 8:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA or bankruptcy
Replies: 13
Views: 2754
Windfalls include inheritance so any unfortunate losses during the years any inheritance will go. We lost a £kkkk!!! Not what we wantes or the family member would have wanted but we also had thousands eritten off on completion which we would have never managed without iva. Another child will affect ...
by abbiesmum2003
Mon Jan 07, 2019 3:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA or bankruptcy
Replies: 13
Views: 2754
Excellent advice from Foggy. We entered our IVA in 2013 and successfully completed it in Oct 2018. You must know what you are signing up for and as advised set realistic allowances for your spending. Make sure you understand all the clauses amd what is expected if you. 5-6 years is a long time and a...
by abbiesmum2003
Mon Jan 07, 2019 9:36 am
Forum: Ask IVA Forum and Industry experts
Topic: Car valuation and creditors
Replies: 7
Views: 2882
Our car was never an issue when starting an IVA. we had a family sized car which was needed because we have 3 children and all in carseats so needed the space. It wasnt on finance and it was needed for work and general tunning about as a family does. It was never queried and although it was listed o...
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Search found 761 matches Page 1 of 51