Hi guys
Can anyone tell me is credit check carried out when you want to lease a car?
Thanks and happy New year.

came home late last night to find we had received our COMPLETION certificates from McCam Duffy!!!! What a boost to the old morale to learn we are now on a new road in our life. A big thank you to the entire team at McCam Duffy for their excellent service and advice - we did a FF and had a few compli...

THanks UTMNIT!
Sounds promising - she wants to go into avery small enterprise which does not need any finance for set up.
We would need a bank account thoiugh and appreciate your advise about the accountant - she woudlnt have any other staff either just her self.
Other than that i cant say much more.

I all. HAvent been on for a while as everything has been ticking along nice and smooth until now. My partner has left work and is thinking of going self employed - what are the implications regarding this while still in an IVA - i understand the no overdraft, finance etc ( we wont need that) - we ar...

You may recall last week we decided to sell our home and rent another cheaper one.we had made a fandf offer but have been told the shortfall can still be addded. Well things moved very quickly and we have someone wanting to buy our house for approx £35 000 less than what we owe to our mortgae provid...

Michael - i contatced our IP today as you advised and thank goodness i posted my question on here[:0] I never dreamt we could include any shortfall in our house sale in our IVA and was accepting the fact that we would either have to borrow money to off set the shortfall - we still dont know what the...

Michael this all sounds very reasurring[:)] we are putting the house on the market this week and i am only going by what the estate agent told me ref value adn was afraid if we had a short fall we would be stuck where we are for quite a long time - we want out as our mortgage payments are very high ...

thansk again for all the replies
Michael i doubt we are too late for your suggestion as we have paid our full and final today[:(] - surely we now cant add this shortfall into teh iva if it is completed?

thanks for the replies folks[:)]

Hi Guys After having our Full and Final accepted we are now looking at selling our house to rent something else. Can anyone tell me what the likely hood of this senario being accepted is.......... We have been told we may not realise enough from the sale of our home to clear our mortgage - we may ha...

I just wanted to post to say that today we had a F&F accepted[^] A big thanks to everyone on here for unbelievable support, encouragement and advice over the last 2 years. We offered a lump sum ( thanks to a very kind family member) to finish our IVA early because my wife had her hours at work cut a...

thanks Lesley - thats what i thought - i am nearly sure it sayd in my proposal( which i dont have to hand at the minute) that i can make minimum payments - but surely this would effect my employer making their contributions?

Hi Guys I wanted to know with the new pension legislation meaning everyone who is employed is entered into a pension scheme by there employer - where do we in an IVA stand? I asked someone in my ips office yesterday and they said i had to opt out as i wasnt allowed a pension while in an IVA - i thin...

sorry for asking this again but we are going to try and make a a Full and Final to close our IVA. ( we have asked similar Qs before ) The total due in our arrangement is £18 000, We have paid off £5040 to date and by July will have paid £6840. If we were to make a full and final of £8000 would that ...

we have just complete 1 yesr in our IVA and were thinking of selling our home to rent a bigger property. Partly because the mortgage payments are too big - and i understand if our rent is less our extra disposable income goes to the IVA - and secondly as we needed a bit more space in the house becau...