hi there there ia another way to stop calls if you subscribe to bt.If you frequently receive unwanted or nuisance calls from a particular number, you can block that number from getting through to you. This ensures your peace of mind and, if later on you change your mind, you can lift the block and a...

thanks andi your replies have always helped as have other experts hope you are well many thanks sahron

Thanks for your reply melanie-the equity was set at 33k even though house prices have risen we will not have to pay any extra monies in the 4th year.(i have cheked this with our IP)obviously we want to keep as much equity as we can.As we may buy again in the future.thanks sharon

hi we have been in our iva for one year and 3 months. We have a fourth year equity release clause in our iva. The figure is 33k to be released in the fourth year-we are selling up and want to go into rented accommodation due to the rising mortgage rate.(as our disposable income is becoming less and ...

hi there there ia another way to stop calls if you subscribe to bt.If you frequently receive unwanted or nuisance calls from a particular number, you can block that number from getting through to you. This ensures your peace of mind and, if later on you change your mind, you can lift the block and a...

hi again miles just checked the syneri website. Its synergence i deal with they are two differnt sites . Sorry !!

Miles dont sign the SO then they cant take any money. Then wait for the creditors meeting or call other companies. Reputable ones will want to meet you face to face too

hi again
they are treating you quite badly - i use Myvesta and use synergence to pay the creiditors. We dont deal direct with Myvesta but Baker Tilly is our first contact. They are marvellous and monthly payments are reasonable. I hope you can change your Ip Do ASAP. best of luck sharon

YES OURS WAS SYNERGENCE TOO!!! Dont worry just cancel the So until they have said your IVA is going through. Dont worry they tried the same thing with me. Are you doing your IVA with them too? I just pay the So to them - and the creditors get paid.My IP told me to stop paying any of my creditors as ...

Hi there i wouldnt worry about paying anything upfront the company i use in my IVA set up a SO without my knowledge. So i cancelled as every penny counted-this was before the IVA was passed. Then as soon as i knew we had the IVA iset up the SO again which was acceptable.

[quote] Originally posted by MelanieGiles Then your creditors would potentially have got a much higher return had the IVA run its course for five years plus the equity release. If you want to have any chance of getting a variation accepted, you will need to demonstrate an inability to pay your contr...

neverending wrote:

Hi
Did you have the final year equity clause in your original IVA ??

yes we have got the equity clause we want to pay early if our IP will accept full and final settlement thanks

hi again we want to remorgage early as we have equity in our property. We also want to get this IVa off our backs because we want to pack up and go to spain (where my Parents live) as we have job offer there.

we have completed our first year in an iva we want to offer a full and final settlement we have 15 creditors pay 52p in the pound. our debts are £75,000. Our IP payment/expenses is £5,000 has anyone any idea what our full and final settlement would be. We were thinking of offering £30,ooo would this...

thanks for your swisft reply regards sharon