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by rosie1965
Mon Sep 08, 2008 7:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: br or try and negoiate
Replies: 1
Views: 879

have income of £2200 per mounth..out goingds of £1839.tax man now wants 320per month.so og will be £2159l leaving £41 for £14,000 worth of debt.tax payments are only for 4 months.br or try and negoiate.is it worth all the stress?any advise much appreciated
by rosie1965
Wed Sep 03, 2008 8:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: what are debt relief orders?
Replies: 4
Views: 1165

what are debt relief orders
by rosie1965
Wed Sep 03, 2008 8:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: how do you work out pro rata payments
Replies: 4
Views: 1821

how do you work out pro rata payments agaain pls.rgds andie
by rosie1965
Tue Feb 26, 2008 9:35 pm
Forum: postings for february
Topic: beneficial interest
Replies: 8
Views: 2066

i live in slough. the mortgage payments were minimal but i paid the gas/elect/water/life insurance.child care/iva payments/iva fees/ his car payments/house insuranc etc etc.
by rosie1965
Tue Feb 26, 2008 9:26 pm
Forum: postings for february
Topic: beneficial interest
Replies: 8
Views: 2066

is benefical interest due to morgage contribution or household contribution.anyone?
by rosie1965
Tue Feb 26, 2008 12:59 pm
Forum: postings for february
Topic: beneficial interest
Replies: 8
Views: 2066

hi melanie trustee for my estranged husband br statesthat occassional mortgage payment and a contribution to the general household bills is not sufficenrt to have a beneficial intrest in the property.he then states something called occupational rent.he estimtes rental income would have been £84,000....
by rosie1965
Thu Feb 14, 2008 1:33 pm
Forum: postings for february
Topic: does the whole lot go to the creditors?
Replies: 10
Views: 1436

thankyou both for you help. andie
by rosie1965
Thu Feb 14, 2008 1:16 pm
Forum: postings for february
Topic: does the whole lot go to the creditors?
Replies: 10
Views: 1436

yes he was in an iva first. andie
by rosie1965
Thu Feb 14, 2008 1:08 pm
Forum: postings for february
Topic: does the whole lot go to the creditors?
Replies: 10
Views: 1436

hi the funds are with the solicitor alreaedy.what i can do now.? do i really need a solicitor i cant get legal aid and money is tight as it is.andie
by rosie1965
Thu Feb 14, 2008 12:52 pm
Forum: postings for february
Topic: does the whole lot go to the creditors?
Replies: 10
Views: 1436

hi, it is my estranged husband who has been made bkt. the house has been sold and there is £51000 equity.the solicitors who done the sale arent sure if ai am entittled to any of this money.for the last six mths i paid the mortgage not him.the pending notice was filed in nov 2005 my notice was regist...
by rosie1965
Thu Feb 14, 2008 9:38 am
Forum: postings for february
Topic: does the whole lot go to the creditors?
Replies: 10
Views: 1436

hi, would you be able to advise me. matrital home was in my husband name ownly.a pending bankruptcy was registered on the land registry.my matrimonial homes was then registered with the land registry. finally the bankruptcy was registered with the land registry. the has since been repossessedby the ...
by rosie1965
Sun Feb 25, 2007 8:24 pm
Forum: IVA postbag for february
Topic: PROPERY VALUATION
Replies: 8
Views: 5029

hi andrea we got a forced told the estate agent what it was for and he was quite happy with that.you can always offer more if you have to but you cant make a lower offer if you are going to struggle.start low and increase your offer as and when it is necessary.what they dont know about they wont try...
by rosie1965
Mon Feb 12, 2007 8:38 pm
Forum: IVA postbag for february
Topic: Is an estate agents valuation acceptable?
Replies: 20
Views: 2845

hi, i told the etate agent exactly what it was for an he gave us a which reflected we were desperate to sell so the equity would be so much lower. a bit sneaky but the ip would never know. good luck
by rosie1965
Sun Feb 11, 2007 2:08 pm
Forum: IVA postbag for february
Topic: i just dont know who to ask.
Replies: 7
Views: 1417

who and where do wed complain to.
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