Search found 52 matches
Search found 52 matches
Page 1 of 4
- by marathonman
- Wed Feb 08, 2017 7:36 pm
- Forum: a success story
- Topic: An good news update
- Replies: 2
- Views: 115209
So I've not been here for a while but remember what it was like to be in an IVA and thinking life would never improve! In brief I started my IVA in June 2010 with PJG and was transfered to CreditFix towards the end. I was lucky to be able to do overtime at work and was pro active in sending payslips...
- by marathonman
- Wed Jul 08, 2015 7:52 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: IVA Passing Slowly?
- Replies: 6
- Views: 2827
My first year seemed to go very slowly, probably because I still didn't really know what to expect and it took some time to get used to budgeting. Also the first review was something I dreaded as again I didn't know what to expect. As it happened my payments stayed the same throughout my IVA term an...
- by marathonman
- Sun Jul 05, 2015 11:43 am
- Forum: Ask IVA Forum and Industry experts
- Topic: Creditfix - A good news story about CC issue
- Replies: 12
- Views: 3305
Lou I made my final payment in May and the CC is date 30 June so guess the final review took place somewhere in between. The only contact i had was to sign the letter relating to PPI which was sent on 18 June so it was wrapped up quickly after that. I always sent my payslips each month .. I guess th...
- by marathonman
- Sat Jul 04, 2015 9:41 am
- Forum: Ask IVA Forum and Industry experts
- Topic: Creditfix - A good news story about CC issue
- Replies: 12
- Views: 3305
They do a final review to make sure you've paid everything due but not the same as the yearly reviews you normally do as there is no I&E to submit. They didn't ask me for anything but I always emailed them my payslips each month .. they'll likely ask for those if you don't send them as the need to c...
- by marathonman
- Fri Jul 03, 2015 11:53 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Creditfix - A good news story about CC issue
- Replies: 12
- Views: 3305
For those of you worried about the length of time Creditfix may take to to issue your CC here’s a good news story. IVA agreed on 18/6/2010 through PJG and first payment made straight away ... my final payment fell in May this year and like many, wondered how long I’d have to wait for my CC knowing C...
- by marathonman
- Thu May 14, 2015 9:24 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: equity release again!!!
- Replies: 20
- Views: 4614
It's worth having a good read of your chairman's report and original proposal. - Is your IVA Protocol Compliant https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol (9.3 If the amount of the debtor’s net worth net of remortgage costs in the home at the review date...
- by marathonman
- Thu May 14, 2015 9:05 pm
- Forum: full and final settlements
- Topic: Final Settlement / Bankruptcy ?
- Replies: 8
- Views: 110045
Do bear in mind that what you have paid so far doesn't really reduce what you owe until you hit 100p/£. If your plan were to go it's course you would pay a further 34 months at £111 (£3774) plus any equity that you have from your property.
- by marathonman
- Sat Apr 25, 2015 5:26 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: PPI 4 years after completion
- Replies: 6
- Views: 2342
Makes you wonder at what point your IVA is actually over! What would have happened had you moved home in the mean time? I'm hoping to move home a couple of years after mine is over but surely I can't be expected to send my IVA company a change of address card as well!!
- by marathonman
- Fri Apr 17, 2015 5:04 am
- Forum: Ask IVA Forum and Industry experts
- Topic: Equity release
- Replies: 57
- Views: 31412
If they agree it is 2010 compliant then they need to comply! I'd send them or refer to sections 9.2 &9.3 of the protocol particularly the 9.3 part that says "If the amount of the debtors net worth net of remortgage costs in the home at the review date is under £5k, it is considered de minimis, and d...
Search found 52 matches
Page 1 of 4