This is how they have worked it out??? I refer to your below email and thank you for the same. As requested, please see below your equity calculation: Property Valuation: £123,292.00 Mortgage Redemption: £ 82,622.50 Secured Load Redemption: £ 33,544.11 Selling Costs (3.5%): £ 4,315.22 Equity availab...

Thank you everybody for these responses they are very helpful I will let you know if I hear anything back after sending the letter I know the route cause was my fault as in getting into debt in the first place but I really thought after starting this Iva I could get my life back together, It's nearl...

It's crazy I don't understand this, 13 months since my last payment, all payments made with all requested information to them then this I rang last year as I was fed up and they said I should be ok when it comes to the meeting as I've done all they have asked I have equity but it states the 85% ltv ...

I have just had an email off of aperture basically saying my Iva will fail if I don't pay more, I am simply destroyed, this is the first mailing I've had ever off of them and it goes I am contacting you today regarding the consultation meeting that was held with your creditors. Creditors did not vot...

Still no mailings from GT over this after last months phone call,
Rang them again and no answer just a call back system that has not called me back yet (2 hours),
Raging

Will do lifenoteasy,

I was thinking I will just get the certifiable through after no calls or mailings from Feb until I rang this week,

Oh sorry I did get one mailing just to say they are changing to aperture

Time to turn the pressure on them up a few notches

Thank you relieved33, when I was on the phone to the lady and mentioned LTV (or LTA as I said it doh!) she said she will have to look into it

Then said she will be sending everything in the post along with yet another income and expenditure form

just want this to end now and put the past behind me

Oops I meant 6 years not 5 years, I had to go for 72 months (early in the morning for me)

My final payment was Feb this year, they said that it was my last payment, I did send my valuation in a little late and my figures but that would have only gone down since I heard nothing from them apart from ppi requests (for the third time) My wording States I have to try and remortgage at a maxim...

To start with I'm sorry, as I know you have had this same thing time and time again but.... I started my Iva with Wilson Phillips late 2008, this Iva got taken over by grant Thornton, My last payment went to GT in Feb of this year after 60 payments, I have sent them my valuation, outstanding mortgag...