Search found 38 matches

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by homershairdo
Sat Feb 25, 2012 9:09 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA - Payslips and bonus mess!
Replies: 4
Views: 1502

Hi! The od payment was put in, but it was a guesstimate by the iva company! The collections agency who then contacted my partner (as it was joint od) would not accept that amount! As for the energy bill, that increased the month after my iva was agreed, and then again last month. I guess I didn't wa...
by homershairdo
Sat Feb 25, 2012 8:10 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA - Payslips and bonus mess!
Replies: 4
Views: 1502

Hi all, Looking for some advise please! I've been in an IVA since June last year, paying a modest £300 per month. I was reviewing some corresspondance from my IVA company, and realised that I was meant to send copies of payslips after six months. Which I have not done. Also, I received a small bonus...
by homershairdo
Thu May 19, 2011 9:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage Co, the proposial and Creditors Meeting
Replies: 6
Views: 1616

Hi all

What involvement do the company that hold your mortgage have in the whole IVA process? Do they validate figures like outstanding mortgage and payment (which I did during the paperwork stage), or is it more for info and they have no input?

Just wondering really!!

Cheers!

HH
by homershairdo
Tue Mar 29, 2011 1:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: House Valuation
Replies: 12
Views: 2354

Coolio - thanks for the help. I assume that if I'm emsiled the vsluation that would be fine?

Cheers!
by homershairdo
Tue Mar 29, 2011 12:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: House Valuation
Replies: 12
Views: 2354

Hi,

In order to speed things up, am I able to use a website like Zoopla to get the house valuation, or would I need someone to actully come out?

Thanks!
by homershairdo
Mon Mar 28, 2011 3:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: House Valuation
Replies: 12
Views: 2354

Hi all, Daft question # 147! I'm getting my house valuation this week, after weeks and weeks of "umming and arring"!! The question is how do you normally get the vsluation? Do you get it there and then on a piece of headed paper, or do they normally send it out? Daft, I know, but I'm away next week,...
by homershairdo
Tue Mar 22, 2011 3:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Worries about living in the budget
Replies: 12
Views: 2619

Cheers all,

spoke to my lot this morning, and my mind is at rest. To be honest, it's going to have to be a best guess for some of my future costs. But at least I know. And I'm happy. I think!!
by homershairdo
Mon Mar 21, 2011 7:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Worries about living in the budget
Replies: 12
Views: 2619

Thanks all! Foggy - who are you with, as they seem quite helpful!
by homershairdo
Mon Mar 21, 2011 3:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Worries about living in the budget
Replies: 12
Views: 2619

The title says it all really! I know it's not going to be flowers and sunshine, but the thought of it makes me physically sick! I'm pulling together my paperwork at the moment, but I feel awful. For example, I'm trying to plan for worst cases in terms of childcare, as I know they are going to go up,...
by homershairdo
Fri Mar 04, 2011 3:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Another Question!! This time Zopa
Replies: 3
Views: 1225

Hi all, Has anyone had any experience of Zops in there IVA dealings. As they are a social lending site, I was wondering whether they treat an IVA an differently. The only thing I found on the forums was a post from a couple of years back - it went well back then, but windering if there was any more ...
by homershairdo
Fri Mar 04, 2011 10:57 am
Forum: Ask IVA Forum and Industry experts
Topic: HSBC Joint Account & a Sole IVA
Replies: 13
Views: 6129

That's interesting!

So, in this scenario, I am going into a IVA, and we have a joint account, which could in all likelyhood be frozen. My wife, who will not be going into an IVA, has a sole account with the same bank. Is this likely to be frozen?

Thanks!

Ian
by homershairdo
Thu Mar 03, 2011 3:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: HSBC Joint Account & a Sole IVA
Replies: 13
Views: 6129

Hi James,

How would that work? I'd be paying through the IVA, and my psrtner would also be paying. Would they close the account, or offset, if her wages got paid in to pay off my credit card?

Thanks!
by homershairdo
Thu Mar 03, 2011 3:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: HSBC Joint Account & a Sole IVA
Replies: 13
Views: 6129

Hi all, Just interested in the mechamics of a sole IVA (mine - potentially) and a joint bank account with HSBC. We have a joint account, and I am entering an IVA with a debt with HSBC. Would they close the account, or offset if I were in an IVA? We also have an overdraft on the account, which will b...
by homershairdo
Wed Mar 02, 2011 10:34 am
Forum: Ask IVA Forum and Industry experts
Topic: So it begins.
Replies: 34
Views: 5110

Hmmm, I seem to be starting to waiver a little in going through with all this..... Lots of what if's keep on flooding through my mind - daft things as well. Things like "What if my car packs up half way through", what if it's rejected, I can cope, I'm meeting my payments, how will this impact my rel...
by homershairdo
Mon Feb 28, 2011 1:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: So it begins.
Replies: 34
Views: 5110

Started gathering paperwork in ernest now. And cancelled some direct debits.

I think I'm going to be sick...!!
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