Search found 14 matches

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by Theendisnear
Tue Mar 04, 2014 5:15 pm
Forum: IVA completed !!
Topic: Certificate received - credit file
Replies: 2
Views: 8951

Hi I'm after some advice.... I've just received my completion certificate after a difficult 14 months waiting for it.... Anyway my IVA started in 2007 and is still showing as active on my credit file, what do I need to do now to get it updated and removed (especially as it's been 6 years) as I keep ...
by Theendisnear
Mon Dec 09, 2013 4:24 pm
Forum: Payment Protection
Topic: PPI - Creditors Meeting
Replies: 5
Views: 7063

Well today was the final part - all the creditors have agreed to my supervisor taking on any outstanding PPI claims so I will finally be getting my completion certificate. It's been a long 12 months from the final agreement of the completion to the final agreement of the completion certificate. At l...
by Theendisnear
Tue Nov 12, 2013 11:12 am
Forum: Payment Protection
Topic: PPI - Creditors Meeting
Replies: 5
Views: 7063

Why is this PPI think such a hassle - its been made worse by the PPI company losing paperwork and being generally incompetent that its dragged on, I know that for some the process has been longer than a year but why are we made to suffer longer when we've chosen the route to pay the debts off, achie...
by Theendisnear
Tue Nov 12, 2013 9:24 am
Forum: Payment Protection
Topic: PPI - Creditors Meeting
Replies: 5
Views: 7063

Hi guys, i had my IVA signed off for completion in January 2013, however due to the ongoing PPI claims that have been bouncing around (2 years) all the PPI claims have not been completed. In order to get my completion certificate my supervisor is arranging a meeting so my creditors to agree to issue...
by Theendisnear
Thu Jan 10, 2013 12:27 pm
Forum: how are you coping?
Topic: Struggling on
Replies: 12
Views: 6863

Well I'd thought I'd update everyone with the ending of this story..... Today at 10am the variation meeting was held and the news was fantastic..... The variation was accepted and it is now in the process of being closed!!! With regard to DFD reviewing welcome finance's claim - there seems to be a r...
by Theendisnear
Fri Dec 14, 2012 4:20 pm
Forum: how are you coping?
Topic: Struggling on
Replies: 12
Views: 6863

Thanks Luke, like a lot of people throughout an IVA I've went through feeling like the tunnel was that long I didnt ever think I'd see the light never mind reach the end. I'm hoping that the creditor gets the telling off they deserve as its Welcome Finance and I believe they are not known for their ...
by Theendisnear
Fri Dec 14, 2012 4:07 pm
Forum: how are you coping?
Topic: Struggling on
Replies: 12
Views: 6863

Hi all, I thought as that I would give my story of trying to cope in an IVA whilst things go wrong - especialy at this time of year. Ive been in the IVA since 2007, the first 2 years were a disaster before my IP was changed due to a buy out and then I started to get better service and better support...
by Theendisnear
Fri Dec 23, 2011 3:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Meeting - Stressed
Replies: 13
Views: 3984

Just thought I would update as received confirmation that Amex have accepted the variation but added two clauses. The first is I have to be in Full time employment within 6 months of finishing Uni otherwise the IVA will fail & the second is that they want the IVAN to be over 84 months. As I'm alread...
by Theendisnear
Thu Dec 22, 2011 3:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Meeting - Stressed
Replies: 13
Views: 3984

Hi all, I've just got off the phone to my iva company and my stress hasn't decreased. Amex have looked at my file and aren't happy that I won't have a job when I get out of Uni. I'm studying to be better myself as a sports therapist. I've told my Iva whilst Ive got a job offer its not confirmed and ...
by Theendisnear
Tue Dec 20, 2011 11:03 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA Meeting - Stressed
Replies: 13
Views: 3984

Hi Thank you all for your feedback. Since starting this whole process I dont feel I have been represented fully in helping sort my finances out and I dont want to go bankrupt as I want to be given the opportunity to pay back what I owe as due to various situations I did cause it. I am going back to ...
by Theendisnear
Fri Dec 16, 2011 11:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Meeting - Stressed
Replies: 13
Views: 3984

Hi Need some advice, I have been in my IVA since July 2007, in Spet 2009 I went back to university to study full time and could manage my payments. In April this year my payments doubled. I had previously informed my IVA company that I had gone back to uni and that I would not be able to meet the re...
by Theendisnear
Fri Mar 04, 2011 4:03 pm
Forum: how are you coping?
Topic: Stressing.......
Replies: 2
Views: 2592

Im almost 4 years into my IVA and thought I would start to feel that the light was at the end of the tunnel except Sept 2009 I went back to uni to try and improve my career prospects. My IVA people were helpful and reduced payments and added another year on but now I am fast approaching a payment in...
by Theendisnear
Wed Nov 17, 2010 2:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am currently into my 4th year of my IVA
Replies: 3
Views: 1195

I am currently into my 4th year of my IVA, but am struggling with an increase in rent and already had a reduction in payments due to returning back to studying to get a better job. In May my payments are due to go up & I'm already panicing trying to work all hours to make ends meet & never getting t...
by Theendisnear
Wed Mar 11, 2009 7:09 am
Forum: Ask IVA Forum and Industry experts
Topic: I have just been accepted to study at Uni fulltime
Replies: 1
Views: 1026

I have just been accepted to study at Uni fulltime and have been in an IVA for nearly 2 years. Will I be able to apply for a Government STudent Loan to help with cost of fees to study
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