Search found 695 matches

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Search found 695 matches Page 1 of 47
by Shaun Vickery
Tue Jul 03, 2018 3:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Remortgage whilst in an IVA
Replies: 3
Views: 4517
Yes, I'm afraid I agree. The only silver lining may be that, even if you were able to reduce your mortgage payments, your IVA contribution may increase anyway.
by Shaun Vickery
Tue Jul 03, 2018 2:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA - done and dusted!
Replies: 7
Views: 5837
Glad to hear another success story and congratulations on completing your journey!
by Shaun Vickery
Mon Jun 25, 2018 3:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage help
Replies: 11
Views: 5705
There is normally a 'criminal convictions' question too but I take your point! :)
by Shaun Vickery
Mon Jun 25, 2018 12:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: What proof will be required to show that I can't remortgage
Replies: 5
Views: 5928
The mortgage market and IP/Creditor expectations are likely to have changed considerably by the time you are required to release equity. It may be that you have to accept that you may have to release some of the equity in your property which, after all, forms part of your proposal to your creditors.
by Shaun Vickery
Mon Jun 25, 2018 12:38 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage help
Replies: 11
Views: 5705
Hi Warren. Sorry to hear that this has caused such an issue for you, I totally understand your frustration. The only re-assurance that I can provide is that, based on what you describe, you should not be penalised for the IVA and there's no reason that you shouldn't be considered for the same compet...
by Shaun Vickery
Thu Jun 07, 2018 11:24 am
Forum: Ask IVA Forum and Industry experts
Topic: My rights and next steps
Replies: 5
Views: 5209
It sounds like it is on the way to being sorted. As regards GDPR you have always had access to your data but I'm not sure this is going to help much - it sounds like it will only confirm what you already know and possibly just delay things further. Hopefully you will have it resolved soon and, as yo...
by Shaun Vickery
Thu Jun 07, 2018 11:19 am
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage
Replies: 5
Views: 5023
Given what you say you it should certainly be possible although lenders do of course vary considerably in their approach. It's important to do a little bit of groundwork and preparation but any experience Mortgage Adviser with specialism in this area will be able to help.
by Shaun Vickery
Wed Jun 06, 2018 3:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Guidance on how to declare IVA
Replies: 6
Views: 5115
Best of luck anyway Sarah, hope it goes well.
by Shaun Vickery
Wed Jun 06, 2018 2:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Guidance on how to declare IVA
Replies: 6
Views: 5115
I agree, you have to answer the question honestly. In any event, if you don't you are probably likely to feel as though you are looking over your shoulder all the time.
by Shaun Vickery
Wed Jun 06, 2018 11:37 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA early exit loan
Replies: 12
Views: 5507
Yes I'm afraid, certainly from our point of view, this is only available for home-owners.
by Shaun Vickery
Wed Jun 06, 2018 9:28 am
Forum: Ask IVA Forum and Industry experts
Topic: Chances of getting a mortgage post IVA
Replies: 4
Views: 4989
It sounds like a great opportunity for you and there should be a reasonable amount of options available to you, although you may still be limited to some extent. Anyone with specialist experience in this field should be able to guide you through this and secure the most competitive rate possible.
by Shaun Vickery
Wed Jun 06, 2018 9:24 am
Forum: Ask IVA Forum and Industry experts
Topic: Help with how property is dealt with in an IVA
Replies: 17
Views: 5063
For the IVA to have been 'secured' against the property your ex must have signed an authority.
by Shaun Vickery
Wed Jun 06, 2018 9:21 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA early exit loan
Replies: 12
Views: 5507
Essentially, if there is enough equity in your property and you qualify for a loan, you can make an offer known as 'Full and Final' to your creditors. This would be conditional upon it settling your obligations and therefore, if accepted by the creditors, you would no longer be subject to the terms ...
by Shaun Vickery
Wed Jun 06, 2018 9:16 am
Forum: Ask IVA Forum and Industry experts
Topic: Let property in my wifes name
Replies: 10
Views: 4844
Check your paperwork - it will show whether the property is included or not. If so the IP will be unlikely to release their interest and therefore you won't be able to transfer it into your Wife's name anyway.
by Shaun Vickery
Tue Jun 05, 2018 3:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Let property in my wifes name
Replies: 10
Views: 4844
I agree entirely with Foggy, also did you declare the income from the rental property to your IP?
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Search found 695 matches Page 1 of 47