Will charge on house remain after F&F?

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jamie584

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Post by jamie584 » Fri Aug 27, 2021 10:38 am
We have had a full and final proposal setup for 2 weeks time but the iva company have told me today that even if its accepted by the creditors then the charge will remain on the house for another 4 years, is this normal practice ? Seems like if you offer a full and final then surely that should be the end of it ?

Breezy

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Post by Breezy » Fri Aug 27, 2021 10:47 am
No -- they are telling you porkies. The F&F will end the IVA and the restriction should be removed.

The IVA will remain on your credit file until 6 years from the start, but the charge on the title deeds should be removed. You are not dealing with Ebenegate by any chance ??
I am not qualified to give advice and can only state my opinions, based on my IVA experiences.

mumof3

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Post by mumof3 » Tue Aug 31, 2021 12:24 pm
Where can I check if there are restrictions on my house?

Breezy

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Post by Breezy » Tue Aug 31, 2021 12:33 pm
Tue Aug 31, 2021 12:24 pmmumof3 wrote:
Where can I check if there are restrictions on my house?
If you go to the HM Land Registry site you can get a copy of your deeds, which will list all restrictions and charges on the property. Use only the GOV.UK site : https://www.gov.uk/get-information-abou ... s-of-deeds
I am not qualified to give advice and can only state my opinions, based on my IVA experiences.
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