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by Rachy
Fri Mar 06, 2015 9:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: Made my last IVA payment, 9 long years! Will it be a problem that I don't have a bank account ?
Replies: 3
Views: 1872

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Foggy Hello and well done -- 9 years !!! You will really need to discuss this with CF as they are a bit of an unknown quantity at the moment. We has problems with our bank account with the Co-op so arr...
by Rachy
Thu Mar 05, 2015 11:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Made my last IVA payment, 9 long years! Will it be a problem that I don't have a bank account ?
Replies: 3
Views: 1872

Have made my last IVA payment - 9 long years! I have been reading through other posts and see Creditfix will require 6 months bank statements. We don't have a bank account, feel happier paying for everything in cash. Will this be a problem, what additional documents could I provide instead.
by Rachy
Wed Oct 20, 2010 10:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Someone please help we are desperate
Replies: 12
Views: 1520

Thank you for replying. Yes Melanie Giles is my IP but |I'm just so scared to go back to them again! Hi Rachy, Don't do anything drastic- you've got lots of options. You need to phone your insolvency practice for some support and advice as soon as possible, and hopefully they will be able to put you...
by Rachy
Wed Oct 20, 2010 9:49 am
Forum: Ask IVA Forum and Industry experts
Topic: Someone please help we are desperate
Replies: 12
Views: 1520

My hubby and I are in an IVA which has already been reduced, now 25p in £ but still £600 per month, due to me loosing my job and taking a new job on less pay. Now my hubby, who is self employed, has lost a contract and work will dry up in the next few weeks. To top it all our central heating boile...
by Rachy
Wed Oct 20, 2010 9:27 am
Forum: Ask IVA Forum and Industry experts
Topic: Change in circumstances - again! HELP
Replies: 2
Views: 896

We have been in our IVA since Feb 2007 with an agreed 6 year term. I was made redundant in 2008 and had our payments put on hold for a year whilst I got a new job. New job was a quarter of my previous salary, but better than nothing and our payments were reduced to 25p/£ and a term extended to 7 yea...
by Rachy
Wed Oct 20, 2010 8:51 am
Forum: Ask IVA Forum and Industry experts
Topic: Hi, I have a question about mortgages and IVA!
Replies: 8
Views: 1389

I am a mortgage broker and also in an IVA. Currently there is only one lender who may consider an application from you with your credit history - Cheshire Mortgage Company. However, their rates are huge starting at 13.75%. Your broker should never had run a credit check knowing that with your histor...
by Rachy
Wed Oct 20, 2010 8:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Frustratingly not debt free in 5 years as promised
Replies: 26
Views: 4280

I'm a mortgage broker and also in an IVA. You need to know that there is only one lender who would consider a re-mortgage to anyone in an IVA - their rates start at 13.75%!!!!! How is anyone going to release equity, if you have any, and not get into further difficulties because of high interest rate...
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