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by MiAuZiNhA
Fri Jun 19, 2015 7:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Question about IVA's "Additional payments"
Replies: 12
Views: 4310

Thanks guys, the help is very appreciated :)
by MiAuZiNhA
Thu Jun 18, 2015 10:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Question about IVA's "Additional payments"
Replies: 12
Views: 4310

If he stops paying in August or pay only £1 in September and £1 in October will this void his IVA?
by MiAuZiNhA
Thu Jun 18, 2015 10:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Question about IVA's "Additional payments"
Replies: 12
Views: 4310

So he will end up paying more than the agreed £21.679,00 when he started the IVA just because we have decided to pay a little more than the original monthly installments to get the figures up to pay 100% by the end of 60 months the same amount he owed to his creditors on the start of the IVA? Is thi...
by MiAuZiNhA
Thu Jun 18, 2015 10:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: Question about IVA's "Additional payments"
Replies: 12
Views: 4310

Thanks for the replies, and sorry it took me long to reply back, I've been very busy lately. My husband is with Mitchell Farrar. The e-mail he have received is the one below: ---------------- Your IVA is active, your IVA is due to end October 2015 (5 payments of £432.50) and paid in so far from Volu...
by MiAuZiNhA
Thu May 14, 2015 12:18 am
Forum: Ask IVA Forum and Industry experts
Topic: I would like to know why husband's additional pay will not be used towards his IVA payments ?
Replies: 2
Views: 945

Hello, So my husband has an IVA and he is now about to finish it, with just a few more months of payments. I've been tracking the payments that we've made to his IVA and the PPI claim that he have received also, and according to my spreadsheet his IVA was supposed to finish by August when he will ha...
by MiAuZiNhA
Wed May 13, 2015 8:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: Question about IVA's "Additional payments"
Replies: 12
Views: 4310

So, full amount of original debt, plus fees and possible statutory interest = £21.679,00 as per paperworks given to him in the start of his IVA. According the the summary given by IVA company to him today on e-mail his fees are all paid up already. He was initially set up to pay £200 per month for 5...
by MiAuZiNhA
Wed May 13, 2015 7:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: Question about IVA's "Additional payments"
Replies: 12
Views: 4310

Hello, So my husband has an IVA and he is now about to finish it, with just a few more months of payments. I've been tracking the payments that we've made to his IVA and the PPI claim that he have received also, and according to my spreadsheet his IVA was supposed to finish by August when he will ha...
by MiAuZiNhA
Sun Mar 03, 2013 11:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: are mitchell farrar reliable ?
Replies: 9
Views: 7392

I just had the paperwork back from them this week and as I have asked them to send me the extract of payments received by them and made to his creditors we found out that they have the wrong information on the payment received by us. I track every single payment my husband makes with my own spreadsh...
by MiAuZiNhA
Tue Feb 26, 2013 11:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: are mitchell farrar reliable ?
Replies: 9
Views: 7392

My husband is with Mitchell Farrar as well. He called them 2 weeks ago to give authority for me to discuss the case on his behalf as he works office hours mon-fri and they do not open at weekends, I do work too at office hours but every 15 days I get a day off during the week to pay for a saturday s...
by MiAuZiNhA
Mon Sep 03, 2012 8:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hello! Can the IVA practioner force us to clear our debt early? We are paying pound for pound
Replies: 16
Views: 2416

I've said that to my husband already. Unfortunately it is not MY IVA so I cannot call them on my husbands behalf as they refuse to discuss anything about his account (been sending emails to them myself in answer to emails my husband received from them and forwarded to me in the past) and my husband ...
by MiAuZiNhA
Mon Sep 03, 2012 8:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hello! Can the IVA practioner force us to clear our debt early? We are paying pound for pound
Replies: 16
Views: 2416

My husband is using the services of Mitchell Farrar.
by MiAuZiNhA
Mon Sep 03, 2012 7:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hello! Can the IVA practioner force us to clear our debt early? We are paying pound for pound
Replies: 16
Views: 2416

Thank you for the clarification and prompt answers. :) Another question I have is, my husband sent his Income and Expenditure forms and all the paperwork for the yearly review in June, and it was confirmed by the IP (after we called them) that they have received the paperwork and would get in touch ...
by MiAuZiNhA
Sun Sep 02, 2012 7:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: What happens after last payment?
Replies: 12
Views: 8603

Experian is a horrible company with awful service. They have my name wrong with them and because of it they don't show info of my bank account or credit card on my credit report. Even after sending documents to prove my name and my bank using my correct name for the accounts they cannot show on my r...
by MiAuZiNhA
Sun Sep 02, 2012 6:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hello! Can the IVA practioner force us to clear our debt early? We are paying pound for pound
Replies: 16
Views: 2416

Paying pound to pound means, when my husband stated his IVA he was paying 0.46p for the pound, or, off a debt of £21k (including the IP fees) if he only could afford to pay 0.46p for the pound over the 5 years he would have paid 46% of his total debt. His monthly installments was £200 when he starte...
by MiAuZiNhA
Sun Sep 02, 2012 6:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hello! Can the IVA practioner force us to clear our debt early? We are paying pound for pound
Replies: 16
Views: 2416

Hello! My husband is on the second year of his IVA. We got in to a situation now that he got a better job and me too so we voluntary increased his monthly repayments to match 1 pound for each pound of his debt, including the IVA practitioner's fee. Even doing that we have still left some money spare...
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