hi every one not been on there for a while but getting near to the worrying 54month just got the paperwork today got to get a valuation done wife is now worried and a bit tearful with the process thinking we will have to sell just wondering if one of u guys could give idea what would happen a spoke ...

Yes i think around 100000 with the way house have shot up i no to get my amount of loan hiw it going to be betewwen 4 to 5 tines income without the debts

I just got year 4 statement but they have not asked about valuation so i guess i now have to get to valuation and try to remortgage

Update love this one got to renew my liabity insurance had to tell them about the I v a guess what premiums jumped up from £200 to £320 plus most online insurers won't touch you Great just when u think u sorted things out someone screws u over Won't mind never made a claim in 25 years when I asked t...

There is no ccjs on my credit account up to the meeting on the 2/3/2012
As everything is upto date Will they still put ccjs on these accounts
Now the ova is agreed Thank Petercar

They agreed the i v a just got to email them back
How long will the bank accounts stay open as the charges are quite a lot
Will they be frozen from the meeting date or much later
Legally were does this now stand

Hello everybody again signed by iva i hope it will go through
Does any body know what normally is average amount they accept
My first meeting on Friday but looks like after fees they r only getting
About 20 in the £ surely they are going to go to hell if u know what I mean

Would the hmrc likely to pull a bankruptcy order at the meeting These r the one I'm worried about the most cos they chase u at any cost If the meeting fails would all creditor file bankruptcy The ip have said no Deal no fees Do u think a deal could be reached Is 20% fee fair £12000 plus 3rd party fe...

[quote]Originally posted by petercar

sorry if i was not clear enough
wife put 30000 down i put 8000
i funded mortgage repayments and repairs etc
we are both doing iva
wife debts 13000
my debts 31000
hmrc =4000
iva is non protocol compliant

thank you everyone for your help
and look forward to speaking to all again soon
SOME PEOPLE SAY FORUMS ARE RUBBISH THEY ARE NOT
THANKS AGAIN

so u think they are a good company as im in drafting stage and still reading the proposal have not signed the paper yet and just wanted to make sure i was not getting conned

RSM TENON
THEY ARE SUPOSSED TO BE A BIG PLAYER
GOING BY WEBSITE"rsmtenon.com"

they r offering to put foward 18000 as payment in 60 mths but r charging 20% ip fees on payment and equilty approx 12000 and 3600 to 3rd party and looks like final payment in year 5 as remortgage or 3rd party loan or 12 ths extra payment( they reckoning 4% growth in equity in growth pa ) I THINK THE...

sorry i ment that she had put £30000 down as deposit to my £8000 when we brought the house now they saying that all equity is to be spit 50/50 but she only owes 13000 debt to mt my 35000
please could u advise if u think im being misled if so can i told them the approval is to be changed

what the difference between non protocol compliant &
protocol compliant