Search found 577 matches
Search found 577 matches
Page 1 of 39
- by catullus
- Wed Apr 06, 2011 12:09 am
- Forum: Ask IVA Forum and Industry experts
- Topic: I am in the mioddle of a very acrimonious divorce.
- Replies: 6
- Views: 2001
It is extremely unlikely that lenders will agree to remove your name from debts that were fraudulently incurred in your name without there being a criminal conviction. My experience of the police authorities is that there is a strong possibility that they will have insufficient evidence to refer the...
- by catullus
- Mon Nov 29, 2010 11:46 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: CAB Grant Thornton
- Replies: 27
- Views: 5009
It probably has something to do with the fact that CAB's annual report shows GT as being a financial supporter/donor to the CAB network. In itself I don't think that there is anything wrong with that but given that the CAB network is dedicated to providing local support it seems strange that an indi...
- by catullus
- Wed Oct 06, 2010 11:40 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Knowledgeable posters - Something to check
- Replies: 11
- Views: 1501
Just as a matter of tactics I think that your letter is a tad demanding. As an IP I would always advise that the third party funds are paid in to the client account to be held to the order of the relative until written confirmation is issued that a fully and final settlement has been agreed with cre...
- by catullus
- Wed Oct 06, 2010 11:25 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: DAMMING REPORT FROM THE OFFICE OF FAIR TRADING
- Replies: 73
- Views: 7931
Hello Peer As an IP I'm delighted to see that you have chosen to participate in this debate. I've read the OFT report carefully and the results of the mystery shopping exercise and copy and paste below part of paragraph 1.2 of the executive summary of the mystery shopping report "Four mystery shops ...
- by catullus
- Mon Aug 30, 2010 6:55 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Full and final help please!
- Replies: 30
- Views: 3772
Frankly, I don't think that is acceptable.There are no hard and fast rules here but an IP is expected to act in all matters in a timely fashion. I'm quite sure that they are not saying this to their new clients and you deserve as good a service as them. Reluctant as I am to suggest this, it really d...
- by catullus
- Sun Aug 29, 2010 8:03 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: HMRC
- Replies: 11
- Views: 2131
It's more likely to be because they are satisfied that you do not have any additional income to declare or are liable for higher rates of tax.They may have taken this view from the contents uf the IVA proposal
- by catullus
- Thu Aug 26, 2010 9:16 pm
- Forum: charging orders
- Topic: charging order explained please??
- Replies: 3
- Views: 7161
A charging order will secure MBNA's debt against the property meaning that if you sell the property MBNA will be paid first before you receive any equity. It's very unlikley that you would be able to acheive a sale unless MBNA are paid in full (relevent if you are in negative equity) In theory a cha...
- by catullus
- Thu Aug 26, 2010 9:01 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Hi, this is my first post on here.
- Replies: 8
- Views: 1366
It's important to understand that noone can tell you what to offer. There simply are no guidelines as to what creditors will accept. As part of your offer you will need to explain 1 Why you are making the offer rather sticking with the original agreement, 2 Why the offer is fair to creditors So my a...
- by catullus
- Wed Aug 25, 2010 9:35 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Full and final help please!
- Replies: 30
- Views: 3772
I posted on an earlier post and made the following comments (good old cut and paste!) "There's no such thing as an acceptable level of F and F offer - it just has to be the best one that you can make and there has to be a logic why you are making the offer. No problem there. Also, remember that the ...
- by catullus
- Wed Aug 25, 2010 9:16 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Full & Final to Blair Endersby HELP PLEASE!
- Replies: 11
- Views: 2053
From what you say, you've got very little choice but to go down the road of making such an offer. As you say, borrowing from friends and family, doesn't make sense. There's no such thing as an acceptable level of F and F offer - it just has to be the best one that you can make and there has to be a ...
- by catullus
- Wed Aug 25, 2010 9:01 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: offered conflicting advice by Pay Plan case workers
- Replies: 24
- Views: 3677
You would be perfectly within your rights to make a complaint to the insolvency practitioner's professional body about this.The engagement is with the IP personally and not the organisation that he works for and, in my opinion, he has a professional obligation to speak to you if you are not satisfie...
- by catullus
- Thu Mar 25, 2010 11:25 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: my husband has not agreed to be any part of the iva
- Replies: 6
- Views: 1272
The important thing to stress to you husband is that he should not be asked to contribute to the IVA but in providing this information he will be proving that he is paying his fair share of household costs. If he won't provide this evidence it may be difficult for the IP to get the support of credit...
- by catullus
- Thu Mar 25, 2010 10:51 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: am I allowed to "have sight" of the forms?
- Replies: 3
- Views: 1196
Yes, you would be perfectly entitled to ask to see them. There is nothing in the terms and conditions, merely custom at creditors meetings where proxy votes may be inspected by anyone at the discretion of the Chairman of the meeting.If agreement was not given to inspect them you would be entitled to...
- by catullus
- Thu Mar 25, 2010 7:49 am
- Forum: Ask IVA Forum and Industry experts
- Topic: IVA PROTECTION AND INSOLVENCY ACT 1986
- Replies: 27
- Views: 3631
We are in very technical territory, here, but I think that the answer you are after is s260 2(b).If the IVA was approved all creditors are bound and if the debts have been succesfully compromised then there is no legal remedy. An IP would simply send the Chairman's report to the Court together with ...
Search found 577 matches
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