Search found 572 matches

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Search found 572 matches Page 1 of 39
by Shaun Vickery
Mon Jan 22, 2018 12:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage after IVA
Replies: 5
Views: 991
Definitely no need to worry yet - life begins at 40 remember!
by Shaun Vickery
Mon Jan 22, 2018 12:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA settled in 2013, looking for possible mortgages for a new home. Possible?
Replies: 4
Views: 513
Hi Brian, what a good position to be in! Given the brief information here I suspect it's highly possible, although it really does depend on how much you want to borrow and various other factors (which will also determine just how good a rate it is possible to achieve).
by Shaun Vickery
Mon Jan 22, 2018 12:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA Query
Replies: 6
Views: 412
We've had experience of lenders still providing mortgages to people who previously owed them a debt under their IVA. New lending decisions actually often aren't that joined up in their thinking...remember you are an individual who knows the exact detail of your financial history but to a lender you ...
by Shaun Vickery
Mon Jan 22, 2018 12:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: After IVA loan accepted but with a whopping 12.9% & an extra £3000 interest
Replies: 2
Views: 418
It's possible that your credit file is still showing something incorrectly but it's impossible to say for sure without seeing it. I'm not a big fan of the predicted rates that the credit reference agencies give you because the truth is they don't no. Lenders' own credit scores are guarded in secrecy...
by Shaun Vickery
Wed Jan 17, 2018 5:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: I own my home, am i eligible for IVA?
Replies: 5
Views: 1646
I'd recommend seeking some specific advice from an insolvency firm (perhaps one of those running this forum). The fact that you own property does not PREVENT you from entering an IVA but they would need to establish whether you are insolvent, particularly as you have no mortgage. They will also be a...
by Shaun Vickery
Wed Jan 17, 2018 5:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: I need a hundred pound to get through the month
Replies: 17
Views: 1865
I agree with previous comments, having a pay-day loan showing on your credit file is not ideal and can affect your chances of obtaining other competitive credit (including mortgages) with many lenders. I wouldn't want to encourage you back into debt but if you really do need the money this month and...
by Shaun Vickery
Wed Jan 17, 2018 5:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: I need to pay £7000 to the new landlord upfront otherwise l will be homeless
Replies: 14
Views: 1785
You say that you have just entered your 5th year but that your IVA had failed. I think the experts will need to be clear on whether it has or hasn't failed as this may alter their comments.
by Shaun Vickery
Tue Jan 16, 2018 12:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Additional borrowing after iva
Replies: 8
Views: 2237
It's possible, although Halifax wouldn't be one to entertain it as you have already seen. It will really depend on your other circumstances but the IVA itself isn't a deal breaker.
by Shaun Vickery
Mon Jan 15, 2018 11:37 am
Forum: Ask IVA Forum and Industry experts
Topic: Monies
Replies: 6
Views: 2255
If the complaint is about the IP firm then it would have to be addressed to them and their regulators. If it's about the PPI claims company then it's the Ministry of Justice (MOJ).
by Shaun Vickery
Mon Jan 15, 2018 11:18 am
Forum: Ask IVA Forum and Industry experts
Topic: I’m really confused as to what to do right now
Replies: 3
Views: 2415
Why not have a chat with one of the experts on this forum for some specific advice, their details can be seen under the 'IVA Experts' tab on the left.
by Shaun Vickery
Mon Jan 15, 2018 11:15 am
Forum: Ask IVA Forum and Industry experts
Topic: Monies
Replies: 6
Views: 2255
I suspect that overcharging would be treated the same as PPI but hopefully one of the other experts can help in more detail.
by Shaun Vickery
Mon Jan 15, 2018 11:13 am
Forum: Ask IVA Forum and Industry experts
Topic: Going through Divorce - have a large amount of equity with in the marital home
Replies: 4
Views: 2879
If you are able to raise enough to be able to settle your IVA then, subject to what Foggy says in terms of the actual amount, the IVA would be settled and you would be removed from the Insolvency Register. In terms of your credit record, the IVA will continue to show on your file for 6 years from co...
by Shaun Vickery
Thu Jan 11, 2018 5:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Middlebrooks?
Replies: 5
Views: 3408
Why not talk to one of the experts on this site who come highly recommended, there are a few firms, including some smaller ones.
by Shaun Vickery
Wed Jan 10, 2018 4:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA practitioner entitled to access to my bank account statements?
Replies: 7
Views: 3771
...and just for absolute clarity that's exactly the way I have interpreted it too.
by Shaun Vickery
Wed Jan 10, 2018 3:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: Noddle and GiffGaff, show me with a below average score
Replies: 6
Views: 4198
If the credit card was included in your IVA it should no longer be showing on your credit file and you should write to them to ask them to correct it. This should have a positive impact on your credit file but don't be too consumed by how the credit reference agencies score you, this is just an indi...
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Search found 572 matches Page 1 of 39