Search found 708 matches

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Search found 708 matches Page 1 of 48
by abbiesmum2003
Sun Sep 09, 2018 8:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: Flying by
Replies: 11
Views: 4283
I love your pist! Could be me writing that a few years ago! We are now at the end and fingers crossed waiting a CC through the post in a few weeks/months time! (sooner rather than later i hope!) So glad you are settling into it. The first half seems to drag a bit but the second half flies by! And Im...
by abbiesmum2003
Thu Sep 06, 2018 8:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should I offer a lump sum?
Replies: 4
Views: 5005
To be fair to Creditfix, now things are moving again they are actually moving. They seem to do a lot 'behind the scenes' they just forget to keep the client in the loop! If you own property you need to take into account the equity side of things as well as the value of remaining term payment when pr...
by abbiesmum2003
Mon Sep 03, 2018 6:42 am
Forum: Ask IVA Forum and Industry experts
Topic: Last payment has gone today
Replies: 9
Views: 5133
Excellent news! Well done! Its a great feeling isnt it.
Made our last one in June.
Hope not waiting too long for your certificate of closure.
by abbiesmum2003
Sat Sep 01, 2018 7:38 am
Forum: Ask IVA Forum and Industry experts
Topic: Can they take my mothers equity in my IVA?
Replies: 7
Views: 5426
Im not an expert on these things but just from what I know I wouldnt think they could unless you are named on the mortgage and have a share in the house. Like I say not an expert. Im sure Foggy will be along sometime today and give you more sound advice.
by abbiesmum2003
Fri Aug 31, 2018 7:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: ITS OVER!!!
Replies: 15
Views: 5353
Congratulations. It is a weird feeling being free! I was unsure whether I could handle it as I had a pretty smooth run in the IVA and was able to earn a bit more throughout it. But I have had what would’ve been my IVA payment left most months so maybe I have! I emailed Mel to thank her again for he...
by abbiesmum2003
Thu Aug 30, 2018 10:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: ITS OVER!!!
Replies: 15
Views: 5353
Good evening Select Partnership are a company which Creditfix referred us to towards the end of our iva. They went through our income and outgoings. house value, outstanding mortgage, Age of children and probably fee other bits and pieces. I was very cautious as CF had referred us to them and I had ...
by abbiesmum2003
Thu Aug 30, 2018 8:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: ITS OVER!!!
Replies: 15
Views: 5353
So we had creditors meeting scheduled for Tues 28th Aug. I havent heard officially from Creditfix (i mean its not like its important or anything....eyes roll!) But Select rang today to confirm final documents hey need from us to complete the release of the funds-which means the creditors have accept...
by abbiesmum2003
Wed Aug 29, 2018 11:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Interlocking IVA's - 5K Equity Clause
Replies: 12
Views: 5367
Mel always told us it was £5k each. Its written into EACH iva and technically they are interlocking rather than joint so each of you have £5k meaning a joint mortgage would account to £10k equity. thats how i unerstood it and had it explained from Mel when we looked at ivas. I cant remember now it w...
by abbiesmum2003
Mon Aug 27, 2018 8:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: House Valuation Time
Replies: 7
Views: 4815
Having recently had to do equity release and valuation I argued the valuation they got online as totally not realistic. It takes an average of whats sold rather than an individual valuation of your property. Our online was up on £170k for a 3 bed terrace. Theyre not selling for that and with going o...
by abbiesmum2003
Sun Aug 26, 2018 11:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Total newbie with lots of questions
Replies: 17
Views: 5110
I also work in the NHS. Explain your saary to the IP. They may take your basic then treat anything over and above differently because its not guaranteed income. Childcare wise we had to work out what we paid over the whole year and do average. We pay our nursery a set value which is more than the us...
by abbiesmum2003
Sat Aug 25, 2018 8:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: Total newbie with lots of questions
Replies: 17
Views: 5110
Welcome to the forum. This will be a lifesaver for you as everyone has been or is in the position you have found yourself. It makes you feel not so 'alone' and definately wont make you feel ashamed. It has been a safe haven for me for almost 6 years. Foggy is awesome and knows so much. Always give v...
by abbiesmum2003
Sat Aug 25, 2018 12:40 am
Forum: Ask IVA Forum and Industry experts
Topic: Preparing for IVA
Replies: 6
Views: 5012
I agree with previous post. Move your DD which will continue and stop other DD. Save the money from credit card payments etc. You may get calls and letters but just give them info about iva and out phone down. I ignored calls to br honest and saved letters. We wrote to all our loans/credit card supp...
by abbiesmum2003
Fri Aug 24, 2018 1:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: Variation F&Fgot accepted!!
Replies: 6
Views: 4849
OMG thats such awesome news for you!
I know how worried and anxious youve been about this!
So glad its been sorted and a good outcome for you amd your family!
Well done!
We have ours on Tues 28th. Keeping fingers crossed that its good news for us too.
Have a great weekend
by abbiesmum2003
Sun Aug 19, 2018 4:49 pm
Forum: Complaints procedure
Topic: Creditfix
Replies: 3
Views: 4417
They are a nightmare. Noone knows what others are doing. If you can provide evidence of the payments then send it to them with a detailed email and perhaps even a recorded delivery snail mail. You can email the IP directly (email available online) but dont expect a reply. ive emailed directly to the...
by abbiesmum2003
Fri Aug 17, 2018 9:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit Fix... again
Replies: 5
Views: 4212
i was going to say similar to foggy....theres normal and then theres creditfix!!!!!
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Search found 708 matches Page 1 of 48