Have you contacted your IP? The obligation is on you to obtain the re-mortgage (provided the equity is above £5000), whilst the IP may in fact assist you. Have you continued to make monthly payments? If you can not get a re-mortgage then 12 extra payments will be due, if you have stopped paying then...

Hi Ruthie An IVA may be an appropriate route, but as you say you have a complicated set of facts which would be hard to give precise advice on this forum. Just a word of caution, paying your family back before other creditors is a potential "preference" which could cause you, and them, problems if y...

Hi Sally

We believe that you may be one of our clients. Please call in and discuss your concerns, as we may be able to go to creditors to get your IVA completed and allow you to keep all the funds you need going forward.

Hi Dave the simple answer is no. If your IVA was accepted in Aug 2016 it will remain on the register for 6 years, unless you can prove some sort of defect and there is a court order in effect "annulling" the IVA. Why do you want to fail after such a short period? Do the reasons you entered the IVA i...

Martin, sorry to hear of your issues. We review all payments on an individual basis using the information provided. However, we do have to work within guidelines unless there are exceptional circumstances. Please contact the office to discuss your concerns.

In simple terms yes, it is a usual term of any IVA that homeowners need to look to release some equity in the last year of the IVA, or make 12 extra payments. Ask your partner to look at her proposal documents for the exact obligation.

Sally
We understand that this matter has now been addressed. If this is not the case please call the office and ask to speak to Racheal.

Carl.ph congrats on coming to end of the IVA. Call the office as we may be able to get your CC to you sooner if any issue are outstanding (as Michael says we may be able to do a form of assignment to draw a line under any PPI issues).

It depends on whether you claimed the PPI yourself or if you used a claims company. If you did yourself then there should be no fee (but you may have to pay all the funds to your IP less any allowance for tax on interest). If you used a claim company you will need to pay the fee you agreed (it could...

Creditors expect each person in a household to pay their "share" to the costs. Therefore they would usually expect to see a full disclosure showing that after paying his sole costs (own debts, child maintenance etc) he is still paying his share to the joint costs (rent, utilities etc). There are of ...

Without a lot more information it is impossible to provide any form of opinion on this matter. In our experience creditors are getting a lot more strict in accepting FFS when they are entitled to the funds anyway and normal payments can still be made. Without knowing where the £7000 was coming from ...

It is not our policy to directly respond on a public forum but in light of the potentially defamatory comments being made we feel we must. The debtor has complained to our regulator via the Gateway and our actions were held to be wholly correct. There is an issue with payments via regular dividends ...

Paul. We believe from the contents of this query that we are supervising your IVA. You have not fully detailed the contents of our letter or the exact terms of your IVA (as no one would expect in a public forum) but we believe that under the terms we have acted correctly on your, and your creditors'...

Unfortunatley Mutley the prevailing legal opinion is that as the right to claim PPI existed prior to entering the IVA it is not an after acquired asset and as such is not subject to the clause above. This is a tricky area in IVAs at present and you should speak to Freeman Jones as to how they are ad...

We will not be drawn into an open debate over the merits of the current guidleines, but our stated position is as above in that the guidelines can only be exceeded when valid justification has been provided, as expected by creditors when they signed up to the protocol. We will address Carl's situati...