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Posted: Tue Oct 16, 2007 4:04 pm
by thugusher
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)
Posted: Tue Oct 16, 2007 4:15 pm
by MelanieGiles
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
Posted: Tue Oct 16, 2007 4:22 pm
by bagpuss
Posted: Tue Oct 16, 2007 4:24 pm
by MelanieGiles
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
Posted: Tue Oct 16, 2007 5:00 pm
by mikebdomain
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
Posted: Tue Oct 16, 2007 5:50 pm
by thugusher
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
Posted: Tue Oct 16, 2007 5:51 pm
by thugusher
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
Posted: Tue Oct 16, 2007 5:55 pm
by mikebdomain
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
Posted: Wed Oct 17, 2007 1:00 pm
by thugusher
still looking for a lender for remortgage... some broker offered me 1 rate then turn around and up the price... so still looking
Posted: Wed Oct 17, 2007 6:13 pm
by spenmotherhen
hello Melanie and welcome back, hope you had a good holiday and well deserved redt?
PS where is your suntan?
LOL!
Posted: Wed Oct 17, 2007 6:14 pm
by spenmotherhen
oops! I ment well deserved rest.
Posted: Wed Oct 17, 2007 11:40 pm
by MelanieGiles
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
Posted: Thu Oct 18, 2007 11:23 am
by spenmotherhen
LOL sounds great!!
Stripes are in for the winter LOL!!
Posted: Thu Oct 18, 2007 11:50 am
by mikebdomain
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
Posted: Thu May 29, 2008 11:08 pm
by thugusher
Completed my IVA yippee