Search found 12 matches

Search found 12 matches Page 1 of 1
by traceyb
Fri Jul 30, 2010 2:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: dividends to show on mortgage statement
Replies: 1
Views: 811

hi wonder if someone can help. we have an unsecured element on our mortgage with northern rock which has been included in my iva but my husband and i still make the full payment on it as my husband is still liable. any dividends paid by me via my iva should this show on the mortgage statement and co...
by traceyb
Sun Jul 11, 2010 12:10 am
Forum: full and final settlements
Topic: full and final advice needed
Replies: 15
Views: 2584

unable to go bankrupt due to job and contract also as i earn more than my husband need my income for the mortgage to be able to move also dont know how bankruptcy will effect being able to get mortgage. i have been told that with an iva i should still be able to get a mortgage but my husbands name w...
by traceyb
Sat Jul 10, 2010 8:28 pm
Forum: full and final settlements
Topic: full and final advice needed
Replies: 15
Views: 2584

thank you for your advice one last query if it gets rejected do i carry on as before
by traceyb
Sat Jul 10, 2010 4:42 pm
Forum: full and final settlements
Topic: full and final advice needed
Replies: 15
Views: 2584

they are fixed fees [?]
by traceyb
Sat Jul 10, 2010 4:30 pm
Forum: full and final settlements
Topic: full and final advice needed
Replies: 15
Views: 2584

they are fixed as i have been given a break down
by traceyb
Sat Jul 10, 2010 3:45 pm
Forum: full and final settlements
Topic: full and final advice needed
Replies: 15
Views: 2584

MY dad could help me out but would have to give him realistuc figures do i need to offer what the creditors would get for the entire iva and how much for fees as they are 5500 for the term can anyone advice
by traceyb
Sat Jul 10, 2010 3:14 pm
Forum: full and final settlements
Topic: full and final advice needed
Replies: 15
Views: 2584

hi the property is curently 105k but was 125k when the secured loan was taken out. mort now is 97 and secured loan is30 although this will be different when ppi is sorted so never will be equity as in the iva they want me to remort at max 85% ltv and from what i have read remort is few and far betwe...
by traceyb
Sat Jul 10, 2010 11:43 am
Forum: full and final settlements
Topic: full and final advice needed
Replies: 15
Views: 2584

thank you just last couple of things do you take into account what you have already paid when offering f and f and what other costs are involved also if they reject it do you carry on as normal or can the creditors bankrupt you even though the iva has been running smoorhly
by traceyb
Sat Jul 10, 2010 10:38 am
Forum: full and final settlements
Topic: full and final advice needed
Replies: 15
Views: 2584

hi thank you for your reply. sorry if i seem a bit dim still have a bit of baby brain am i right in thinking that any extra you pay in to your iva is a bonus for the creditors as they get more money it does not reduce the term of your iva. also if i could get a family member to help out what would y...
by traceyb
Fri Jul 09, 2010 11:06 pm
Forum: full and final settlements
Topic: full and final advice needed
Replies: 15
Views: 2584

hi i am eleven mths into my iva and it is for six years paying 225 for 50 mths and 77 for the remainder also has equity release tied in even though no equity and never will be due to 30k secured loan. asked if will be able ro move and in a round about way said no. therefore want to settle as wil nee...
by traceyb
Wed Jul 07, 2010 10:24 am
Forum: Ask IVA Forum and Industry experts
Topic: i wanted to settle my IVA early would it be poosible
Replies: 4
Views: 1637

would it show on my credit file that the iva was satisfied if i did manage to settle early. eventually we will need to move due to only having two bedrooms but can not afford this whilst in iva so thought with potential ppi claim and ongoing payments it would equate to what i would pay for the entir...
by traceyb
Wed Jul 07, 2010 8:30 am
Forum: Ask IVA Forum and Industry experts
Topic: i wanted to settle my IVA early would it be poosible
Replies: 4
Views: 1637

Hi Wonder if you could help if i wanted to settle my IVA early would it be poosible. I am currently in the process of reclaiming my PPI back for a secured loan and am waiting the outcome. The amount due could pay off what would have been expected for the entire term of the IVA. If so this would enab...
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