No longer newtoallthis! I competed my Iva almost 3 years ago but have the following question. When I started my Iva I was forced to change to interest only mortgage to release more to the monthly payment. When I finished my Iva my current lender would not change it back to repayment because of the I...

Wow what a feeling!!! Last payment left the bank yesterday. The last 6 years have gone quite quick to be honest but helps we had no major problems. This forum has been fantastic with responses to the few questions I did have which kept me right. Onwards and upward on to our new chapter

Thanks guys applied online for the nationwide account and accepted! ! Being in an iva makes you question everything but all ok.

Can anyone help?? My son turns 16 next week and has managed to get himself a part time job. He needs to open a bank account with a cashcard but I'm worried he'll be declined. Any advice please.

Yes can't wait!!!!

Thank you such a relief

Good news!! Heard back from creditfix and no extension due #9786; 3 more payments to go!!!

Thank you for your help i have queried and waiting to hear back.

Valuation £115000
85% LTV £17250
Leaves £97750
Redemption figure £104297
Surely this doesn't leave any equit?
Thank you

So based on that and our figures do you think we shouldn't have the extension either? Who are you with?

Yes that is what i think and yes we have the £5k clause. I don't think we should have the extension.

Any experts advise please.

But does it not just apply on the 85% whether you could remortgage or not? There would be no equity at that stage?

Does this make sense to anyone? Our valuation is £ 115000 the mortgage redemption figure is £104297 then had this from ip The 85% applies when considering a re-mortgage, as there is no equity at 85% then we would not ask you to attempt a re-mortgage.   However, as there is equity in the property an ...

This is not true about pjg. Our review was 26 Aug and was completed before the transfer!

Well not overly filled with confidence. Emailed creditfix last Wednesday got an automated reply saying would receive a response within 72 hours. Still waiting......