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by kazzafunk
Mon Mar 23, 2015 9:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: New first time buyer savings account
Replies: 3
Views: 4088

Not sure - I haven't seen much information about the scheme rules yet.

Keep googling it and you may find the details in the terms and conditions.
by kazzafunk
Fri Mar 20, 2015 8:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: three years into iva, cant pay. what are my options ?
Replies: 12
Views: 7821

Pity the clients that they are helping if the adviser has to ask on here!!!
by kazzafunk
Fri Mar 20, 2015 7:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: Free!
Replies: 9
Views: 5051

Well done!!
by kazzafunk
Thu Mar 12, 2015 8:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: CF F&F accepted!
Replies: 18
Views: 4265

Fantastic news - well done!

And good to see some positive posts for CF.
by kazzafunk
Sun Mar 08, 2015 10:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is this company a scam ?
Replies: 16
Views: 7707

As the others have said - I would never go with a 'cold calling' company.

Prefer to do all my own research and luckily found a little gem in Mike Peoples who helped us find the solution to our debt problems!
by kazzafunk
Sun Mar 08, 2015 10:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: We are financing daughter who has a chronic illness. She is in an IVA. Help please.
Replies: 20
Views: 4048

How long has your daughter been in an IVA? Does she claim all benefits possible? A payment break can be arranged if there has been a change of income. Unfortunately the IVA company are correct in stating you cannot add the debts you have incurred to her IVA. There may be steps you can take to help y...
by kazzafunk
Fri Feb 27, 2015 11:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Who would get the best deal in negotiation with the creditors ?
Replies: 4
Views: 2361

I think the only way to look at this is if you were not in an IVA and received an inheritance you would, in all probabilities, pay off your debts. So it's just the same scenario really. I think I would negotiate if my car was very old and I needed it for work or if something like a boiler needed rep...
by kazzafunk
Fri Feb 27, 2015 11:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: Once an IVA is completed and I have the CC, how long does the IVA stay on my credit file ?
Replies: 6
Views: 2607

I agree with Foggy on this one.

We ended our IVA in year 1 with a full and final but still have to wait until the 6 year anniversary before it is removed from our credit files.
by kazzafunk
Fri Feb 27, 2015 11:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Have we breached our IVA terms and conditions ?
Replies: 8
Views: 3030

Personally I think this is ok.
by kazzafunk
Sun Feb 22, 2015 11:07 pm
Forum: annual review
Topic: Gym membership not listed on annual review
Replies: 9
Views: 7444

I think if this has been allowed up until now you have probably been lucky.

I haven't seen any gym fees this high being accepted. Would you be able to make savings elsewhere?
by kazzafunk
Sun Feb 22, 2015 11:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: I have just received a PPI refund which would have cleared my IVA
Replies: 6
Views: 2250

Do you mean clear 100% of your original debt plus fees? If so then it should be easy to arrange.

If it would clear the 'expected dividend' then the IVA would still continue. I would save the 25% if this is the case for rainy days!
by kazzafunk
Tue Feb 10, 2015 11:57 am
Forum: Ask IVA Forum and Industry experts
Topic: payments to date accepted
Replies: 13
Views: 2680

So pleased for you - hope your partner manages to get work soon.
by kazzafunk
Sat Jan 31, 2015 10:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is it possible to contact my creditors directly ?
Replies: 2
Views: 1875

No - you cannot negotiate with your creditors whilst in an IVA.

This can only be done by your IP - there is a lot of paperwork to complete before calling a variation meeting. Stick with it - and good luck with your full & final offer
by kazzafunk
Wed Jan 28, 2015 2:16 pm
Forum: friends corner
Topic: completion certificate.
Replies: 7
Views: 2176

Well done - lovely feeling isn't it!!
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