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by MrsR
Mon May 11, 2020 9:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Expenditure Allowances and Options
Replies: 6
Views: 4590

Thank you for the recommendation Dora06.

They have been around for many years, from what I remember, so will get her to speak with them tomorrow.

Thanks again
by MrsR
Mon May 11, 2020 12:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Expenditure Allowances and Options
Replies: 6
Views: 4590

Thank you for your replies Foggy.

I have today checked with mums mortgage company (Helidor) and she has no equity at all.

Who are the smaller companies that are well established/experienced? Does anyone have recommendations.
by MrsR
Mon May 11, 2020 9:22 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA Expenditure Allowances and Options
Replies: 6
Views: 4590

Good morning all, Long time no speak! My mum is thinking of entering an IVA and before we go this far, I would like her to see the allowable expenditure set by the IVA co's (as an average) Does anyone have a copy that they can link onto the forum at all please? She's not sure whether she will be abl...
by MrsR
Sun Apr 09, 2017 8:40 am
Forum: Ask IVA Forum and Industry experts
Topic: Becoming a Director post IVA Completion
Replies: 1
Views: 671

Hi All, Long time no post - hope you are well :) Our IVA completed a few years ago now, and the IVA is due to drop off the credit reports in February 2018. I have an opportunity to become a sub contractor and set up my own business, but they'd like me to have a limited company in order to work with ...
by MrsR
Mon Sep 12, 2016 6:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hi, I don't know if anyone can help. We have an interest only mortgage with Northern Rock.
Replies: 12
Views: 3092

My husband and I are in with NRAM and cannot move our mortgage yet, as our IVA won't drop off till 2018, so we are still on interest only, so we make overpayments every month after the direct debit has gone out. It's made no difference financially to use as such, as the overpayments are the amount w...
by MrsR
Fri Aug 12, 2016 11:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cabot Finance Issue
Replies: 5
Views: 3144

Thank you for all the replies. We've spoken to them and my husband had a right pop down the phone! The advisor was very apologetic and said they'd found the documentation and the emails sent, then admitted that no one has bothered to process them ! They will process it this week to get the correct i...
by MrsR
Fri Aug 12, 2016 3:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cabot Finance Issue
Replies: 5
Views: 3144

Hi all, Hope you are all well. My husband has noticed today that Cabot Finance have reopened a closed account, that they bought from MBNA and have been applying defaults again! They've been sent 4 copies of his certificate of completion, all by recorded delivery, and yet doing this again! Anyone els...
by MrsR
Wed Aug 03, 2016 12:36 am
Forum: Ask IVA Forum and Industry experts
Topic: I have a credit card debt, whats the best way of reducing payments ?
Replies: 3
Views: 2310

I would pay the minimum payments, and then pay extra on top to reduce the balance, as the minimum payment will mostly be made up of interest. It is also worth asking the credit card company if they offer loans so you could convert it and pay it off over a set period, therefore reducing the balance e...
by MrsR
Sun Jul 31, 2016 6:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Term
Replies: 6
Views: 2842

An Iva term can be extended to meet any dividend obligations within a proposal. I was with NRam, so my 5 years was extended to 6, following this I had no equity so therefore concluded my payments, however whenever we had to take a payment break or lower payments, we had a choice of either paying it ...
by MrsR
Sun Jul 24, 2016 5:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: i have just had my car insurance cancelled because of my IVA . Is this normal ?
Replies: 23
Views: 8799

Hi there,

I've had car and home insurance paid monthly with More Than, Swinton, Hastings Direct and Tesco while I was in my IVA, and none of them had an issue with it.
by MrsR
Sun Jul 24, 2016 5:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: Where Did That Six Years Go ?
Replies: 14
Views: 3346

Fab news ! Wishing you all the best !! :)
by MrsR
Sat Jul 09, 2016 8:08 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA Protocol 2016
Replies: 5
Views: 2920

I agree with you all. I've been out of my IVA since April last year, and all that I've read since seems to highlight one key thing that is consistently missing amongst many firms, and that is customer service. It's almost as if they just want to get payments up and running, then leave the customers ...
by MrsR
Sat Jul 02, 2016 1:09 am
Forum: Ask IVA Forum and Industry experts
Topic: I applied for an IVA but the forms are not giving a true reflection of my situation.
Replies: 5
Views: 2933

Hi Scott, I would make your income and expenditure form details based on what they actually are. What I would say however is that some bills fluctuate ie mobile phone or utility bills, and although you may feel you do not need clothes right now, or an allowance for social activities, I would suggest...
by MrsR
Tue Jun 28, 2016 1:49 am
Forum: Ask IVA Forum and Industry experts
Topic: Should I just accept this message from PayPlan as a computer error ?
Replies: 3
Views: 2241

Hi there,

It most likely is an error, however I would give them a quick call and ask them to confirm the mistake and rectify the system.
by MrsR
Sun Jun 12, 2016 12:37 am
Forum: Ask IVA Forum and Industry experts
Topic: My debts and my income are so low I do feel I shouldn't be in an IVA.
Replies: 9
Views: 3097

Have you spoken to your IP directly to find a solution to your problem? I would focus on the employment/income issue first. The citizens advice can offer you support in helping you claim benefits while you are not in sustainable employment, but in the meantime check out entitledto, as this can give ...
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