Finishing IVA early so need remortgage

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thugusher

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Post by thugusher » Tue Oct 16, 2007 4:04 pm
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Hi! i ve just been over a year in my iva, 4 defaults on my credit file but never missed mortgage payments in 4 yrs.. and i want to make a full an final offer... i've asked my ip who originally said it'll be 30k, but i've found out 1 of my creditors has put a 22k charge on my flat so the iva f&f amount is 20k so i need to remortgage 95k (current mortgage is 51k with 2k+ repayment charge) on my flat that worth 120k. can anyone recommended a broker to give me a good deal (hopefully with free legals, valuation if possible)
Last edited by thugusher on Tue Oct 16, 2007 4:05 pm, edited 1 time in total.
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MelanieGiles

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Post by MelanieGiles » Tue Oct 16, 2007 4:15 pm
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If your IP says £30k is needed, are you sure that £20k is going to provide a sensible offer to your creditors? And with regard to the charge, was this put on after your IVA was accepted by creditors? If so it is invalid.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp
Regards, Melanie Giles, Insolvency Practitioner
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bagpuss

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Post by bagpuss » Tue Oct 16, 2007 4:22 pm
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welcome back Melanie..x

Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/
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MelanieGiles

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Post by MelanieGiles » Tue Oct 16, 2007 4:24 pm
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Thanks Angie - and I love the new Bagpuss picture! It reminds me of my schooldays!

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp
Regards, Melanie Giles, Insolvency Practitioner
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mikebdomain

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Post by mikebdomain » Tue Oct 16, 2007 5:00 pm
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Hi thugusher any of the brokers who post on this forum would be happy to go through the figures with you.

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
Mortgage Broker
Specialising in adverse credit.

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf
LEYBRIDGE LIMITED
Mortgage Broker & Mortgage packager
Directly Authorised Firm FSA No:313790
CeMAP 1,2 & 3 qualified
F.P.C 1,2 & 3 qualified
Financial Planning Certificate
Certificate in Regulated Customer Care
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thugusher

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Post by thugusher » Tue Oct 16, 2007 5:50 pm
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MelanieGiles wrote:

If your IP says £30k is needed, are you sure that £20k is going to provide a sensible offer to your creditors? And with regard to the charge, was this put on after your IVA was accepted by creditors? If so it is invalid.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp
initially i was quoted 30k f&f with because i have a charge with a creditor who was meant to be part of iva who isn't in it. f&f is 20k. charge was on before iva started. i thot it was removed when iva commenced but it wasn't
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thugusher

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Post by thugusher » Tue Oct 16, 2007 5:51 pm
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mikebdomain wrote:

Hi thugusher any of the brokers who post on this forum would be happy to go through the figures with you.

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
Mortgage Broker
Specialising in adverse credit.

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf
Can you help
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mikebdomain

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Post by mikebdomain » Tue Oct 16, 2007 5:55 pm
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Certainly feel free to give one of my advisors a ring - number on profile

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
Mortgage Broker
Specialising in adverse credit.

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf
LEYBRIDGE LIMITED
Mortgage Broker & Mortgage packager
Directly Authorised Firm FSA No:313790
CeMAP 1,2 & 3 qualified
F.P.C 1,2 & 3 qualified
Financial Planning Certificate
Certificate in Regulated Customer Care
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thugusher

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Post by thugusher » Wed Oct 17, 2007 1:00 pm
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still looking for a lender for remortgage... some broker offered me 1 rate then turn around and up the price... so still looking
Last edited by thugusher on Fri Nov 02, 2007 12:20 pm, edited 1 time in total.
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spenmotherhen

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Post by spenmotherhen » Wed Oct 17, 2007 6:13 pm
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hello Melanie and welcome back, hope you had a good holiday and well deserved redt?

PS where is your suntan?

LOL!
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spenmotherhen

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Post by spenmotherhen » Wed Oct 17, 2007 6:14 pm
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oops! I ment well deserved rest.
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MelanieGiles

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Post by MelanieGiles » Wed Oct 17, 2007 11:40 pm
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Thanks for your kind wishes Spen.

In common with most scuba divers, I have stripey arms and stripey legs where my wet suit and boots do not meet!

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp
Regards, Melanie Giles, Insolvency Practitioner
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spenmotherhen

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Post by spenmotherhen » Thu Oct 18, 2007 11:23 am
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LOL sounds great!!

Stripes are in for the winter LOL!!
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mikebdomain

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Post by mikebdomain » Thu Oct 18, 2007 11:50 am
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LOL - Must be hard swiming with boots on your hands Melenie

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
Mortgage Broker
Specialising in adverse credit.

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf
LEYBRIDGE LIMITED
Mortgage Broker & Mortgage packager
Directly Authorised Firm FSA No:313790
CeMAP 1,2 & 3 qualified
F.P.C 1,2 & 3 qualified
Financial Planning Certificate
Certificate in Regulated Customer Care
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thugusher

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Post by thugusher » Thu May 29, 2008 11:08 pm
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Completed my IVA yippee
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