Hi Melanie I do not like mentioning the company because they have been very good, Its just this property in Spain which seems to causing them and me a problem. I am with McCambridge Duffy, the supervisor has mentioned two legal people one was not able to help and the other appears to be limited in w...

Can someone highlight this so Melanie will notice it'

Stressed Paul

Thanks Melanie Closing the case and excluding Bankia leaves a lot of lose ends, for example associated bills like Property Tax and Community charges. I have been told that I am still responsible for them until the property is repossessed. The supervisor of my IVA has suggested that I could get some ...

I have mentioned this before but the issue is still unresolved. I have an IVA which I paid a lump sum into and was to last 1 year only, this year is now nearly finished, included in the IVA is an estimated shortfall for a Spanish Holiday Home. I returned the keys and stopped paying the mortgage when...

just bumping this up that the list

A question for Melanie I have mentioned this before but the issue is still unresolved. I have an IVA which I paid a lump sum into and was to last 1 year only, this year is now nearly finished, included in the IVA is an estimated shortfall for a Spanish Holiday Home. I returned the keys and stopped p...

I would the views from any one who has used RDT Abogados. I am considering using them to try and resolve the failure of Bankia to respond to my IVA.

I have an IVA which included buy to let properties i volutanary surrendered them to Halifax they have now been sold and i recently got a letter from the bank informing me that solicitors are now acting on behalf of the bank and they will be contacting me. I am worried about this, is it normal for th...

Thanks for all your help and taking the time to reply will keep you informed, things are looking a little more hopefull today, she got her tropical fish out lol. Cant really understand why TMB done this (what difference would it have ment to them if they had just left it for a week until she was gon...

yes it was mine i have an IVA approved and surrendered the house to them but explained the that i had to give the tenant 8 weeks notice and that she was due to leave on 16/10/12 but someone came and changed the locks today while she was out she already was in the process of moving but a lot of her p...

TMB have changed the locks on a buy to let property which was to be due to reprocessed before the tennant moved out without giving them any advance warning

Thanks Mel Yes the spanish property and mortgage is included in the iva just need some reassurance that the shortfall will be wiped out when the iva is completed. My IP tells me that i am protected but i still worry about it.
Have sent the keys back to the bank in spain, any idea what happens next?

Part of my IVA is a spanish apartment which I am handing back to the Spanish Bank
can they chase me for the shorthall in the UK? do they have to follow all the IVA rules? do they have to write this debt off on completion of my IVA?

Thank you Mel this was what i was told just wanted to have it confirmed
puts my mind at rest

have these banks no moral standards at all? a £50 per month increase can be enough to break someone.