Re mortgaging

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moira723

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Post by moira723 » Thu Jan 08, 2015 7:46 pm
Hi,
Two things, firstly we are still awaiting a decision on our set off. This has led to our IVA now entering its eight year. Can anyone advise a way of settling this and getting our completion certificate, please?
An initial dip into the remortgaging market has been partially positive, we have been told that the delay in finalising our IVA has cost us thousands. We desperately need to consolidate our mortgage and second mortgage, total £60000. I need to retire as now off work with stress. Can anyone suggest a way forward for us as we are very frustrated.
 
 

Michael Peoples

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Post by Michael Peoples » Fri Jan 09, 2015 9:25 am
You need tgo speak with your IP and see if there is any way they can close your file down and deal with setoff/PPI afterwards. Otherwise your name will remain on the insolvency register and the costs of a remortgage would be prohibitive if even available at all.

Ironically, your credit file is probably fine and your credit score quite high but until you are off the register you will struggle.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

simon1883

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Post by simon1883 » Tue Apr 19, 2016 2:49 pm
Have you spoken with your current provider? I use the Halifax and they have just re done out mortgage at high street rates even tho I'm still in all the naughty books.....
Last Payment on Jan 5th 2016!
 
 

kallis3

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Post by kallis3 » Tue Apr 19, 2016 3:04 pm
Speak to either Shaun or Ryan (details under the expert link on the left) as they have been instrumental in sourcing mortgages for posters.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Foggy

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Post by Foggy » Tue Apr 19, 2016 4:21 pm
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by simon1883

Have you spoken with your current provider? I use the Halifax and they have just re done out mortgage at high street rates even tho I'm still in all the naughty books.....
Well done Simon -- and good on the Halifax :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

Shining

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Post by Shining » Tue Apr 19, 2016 11:35 pm
Very positive for anyone with the Halifax. Thank you for sharing.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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