Search found 14 matches

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by djsmartie77
Sat Oct 12, 2013 11:57 am
Forum: Ask IVA Forum and Industry experts
Topic: Northern Rock never declared that they had taken money from my ex. Can she ask for this back ?
Replies: 7
Views: 1417

Hi
It was a joint loan, total owed was 14k at some point NR received 7k from my ex. NR did not inform me or GT my ip of this transaction and were paid 9k by my iva.
So my question would be should she be paid back this money as it was in my iva. Or at least be given the difference.
Thanks
by djsmartie77
Fri Jun 14, 2013 3:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: GT Phone call yesterday
Replies: 2
Views: 1272

And then an email within 48 hrs see below. I am writing to you with an update on the closure of your IVA. Currently your case is in the very final stages as we are in the middle of distributing all remaining funds to your creditors. This is the final stage, after which your case will be completely r...
by djsmartie77
Thu Jun 13, 2013 6:38 am
Forum: Ask IVA Forum and Industry experts
Topic: GT Phone call yesterday
Replies: 2
Views: 1272

Yesterday I called GT for an updated on my closure. I have been waiting since Feb 2012 for CC. The call handler was polite and helpful. It was explained that due to the length of time I had been in closure with, the hold ups being PPI and VAT. GT had organised a creditors meeting asking if the case ...
by djsmartie77
Sun Jul 01, 2012 11:45 am
Forum: Ask IVA Forum and Industry experts
Topic: GT closures
Replies: 6
Views: 1503

Hi all I am now getting more disappointed with GT and their customer services, after a lack of response I have sent the following mail and I hope Karol will pick this up from the forum. Hi Please can you advise on the current state regarding closure? Please advise why Annual Income / Expenditure let...
by djsmartie77
Thu Jun 14, 2012 10:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Closure and Credit File clear up
Replies: 1
Views: 906

Hi Any news out there on this? Completed IVA after 5 years and 6 months extension, therefore 6 years up on 2nd of August it looks more likely my 6 years will be up and I will not have completion certificate. Any one offer advise on how to clear up credit file without certificate? Or is this impossib...
by djsmartie77
Tue Feb 28, 2012 7:08 am
Forum: a success story
Topic: Payment 66 done what now?
Replies: 5
Views: 1772

Well firstly, BIG thanks to this site. Over this past 4 years I have looked to the forums and been inspired by some of the posts. I am pleased to of completed my IVA. I shall continue to look at this site and where possible add comments that may be of value. This IVA really has been hard and harder ...
by djsmartie77
Wed Jan 25, 2012 8:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Hiya I'm in the last year of my IVA
Replies: 16
Views: 2860

Hi I can understand the frustration that you feel. My iVA was extended by 6 months and I felt like I could not go on. I currently have 2 payments left to make. Dont give up not when you have come this far, its a struggle but be so worth it! When I learnt that I needed to make the extra payments, I h...
by djsmartie77
Tue Jan 24, 2012 8:58 am
Forum: Ask IVA Forum and Industry experts
Topic: Marching on with a song
Replies: 22
Views: 2580

In 5 weeks it should be over, I can almost taste the freedom. However it feels like wishing days away. Been trying to think of the emotions that an IVA puts you through and capturing it in words, there is one song that will be the first I play on Wednesday the 29th of Feb. Feelin Good by Nina Simone...
by djsmartie77
Thu Dec 29, 2011 3:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: 64th payment in pending transactions 2 more to
Replies: 3
Views: 957

Hi Just a note to keep all who are a bit fed up and thinking the end is never coming. The days seem to be flying past and in 61 days I will completed this challenge. I feel for those who have had to extend for what ever reason as I had to add 6 months this time last year, also to those just starting...
by djsmartie77
Tue Dec 20, 2011 7:15 am
Forum: Ask IVA Forum and Industry experts
Topic: Christmas shopping done on budget
Replies: 24
Views: 2901

Well Sainsburys nectar points and a kind gift of £25.00 on a Sainsburys card means I have some treats on the big day. Will wait till 1400 Saturday to shop tho make sure I get a good deal.
by djsmartie77
Mon Dec 19, 2011 9:16 am
Forum: Ask IVA Forum and Industry experts
Topic: Christmas shopping done on budget
Replies: 24
Views: 2901

Hi All Well Christmas shopping completed, for the last time in an IVA. £60 spent and gifts bought to cover all the family. (I dont have children) It was such a good feeling though handing over cash!! not using plastic or borrowing off any credit card. It is bad to write but isnt it great that some o...
by djsmartie77
Tue Dec 13, 2011 9:00 am
Forum: Ask IVA Forum and Industry experts
Topic: What to say to ex about joint debt - if anything
Replies: 28
Views: 2638

Hi I had a similar situation with NR. Joint unsecured mortgage in joint names. 2 years after sale of house was still paying the unsecured part. Then we split up. I went into IVA, now not saying what I did was correct but it did get the desired result. I did not advise ex of what I put into the IVA h...
by djsmartie77
Sun Dec 11, 2011 9:32 am
Forum: Ask IVA Forum and Industry experts
Topic: Keeping Going!
Replies: 9
Views: 1516

Thanks all for your messages, I understand the list writting part considered everything from saving to buy a house, holidays, buying things etc. Have been to see the bank and agreed a payment plan to invest 3/4 of my monthly payments into an ISA so will not notice the change in out goings and still ...
by djsmartie77
Sat Dec 10, 2011 9:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Keeping Going!
Replies: 9
Views: 1516

Hi All Such along time since last posted, even forgot my user ID so created new one. So in month 63, last payment to be made 29th Feb 2012. It was no surprise that its a leap year so have to wait an extra day to make final payment. Wanted to say ho impress at this moment in time I am with GT since t...
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