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by Garyd0559
Thu Jul 28, 2016 11:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Completion over 1 1/2 years, can PPI still be taken ?
Replies: 2
Views: 1831

completion over 1 1/2 years today received a letter saying they have done a recheck and found ppi. can they take this money still
by Garyd0559
Sun Mar 22, 2015 1:21 am
Forum: Ask IVA Forum and Industry experts
Topic: Which company? Experience so far?
Replies: 19
Views: 9414

hi
I just finished my iva
5 yrs seemed a long time but we went with mcambridge dufy,
every yr they asked for a expenditure then nothing for a yr ,brill company no hassle ppi was drawn out tho. mind you that's down to equity n finance, would recommend them any day
by Garyd0559
Wed Mar 18, 2015 12:41 am
Forum: Ask IVA Forum and Industry experts
Topic: House Valuation
Replies: 20
Views: 5195

I had to do the same in aug of 2014, I went on to rightmove and on there they give you a free valuation by estate agents in the area you ive in. I done a zoopla research on the rough price on property,got a lady to price my house up saying it was a quick sale due a divorce she gave me a 10 grand sho...
by Garyd0559
Wed Mar 18, 2015 12:29 am
Forum: Ask IVA Forum and Industry experts
Topic: How do I get two declined mortgage letters ?
Replies: 2
Views: 2112

I done two from online sites NatWest and tsb both said no way ip was happy with that
now on 2 month after completion cert life is good
all the best on the long road
by Garyd0559
Mon Mar 09, 2015 10:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: hi I got my completion cert the other day woop woop, now wondering what to do next ?
Replies: 3
Views: 1485

hi I had a little fight at first as they wanted to extend my iva for a further year. this was sorted as my original wording in my iva setup is or was a grey area. so I done some digging and won the battle how long did it take after final payment well I made my final payment on the 1 dec 2014 but xma...
by Garyd0559
Mon Mar 09, 2015 6:58 am
Forum: Ask IVA Forum and Industry experts
Topic: hi I got my completion cert the other day woop woop, now wondering what to do next ?
Replies: 3
Views: 1485

hi I got my completion cert the other day woop woop , now wondering what do I do next. I done a 5 year iva and the iva drops off my file in sept this year. need to know do I have to inform credit agency's or is this done automatically. its been a long road not to many bumps thankfully. the staff at ...
by Garyd0559
Sat Feb 14, 2015 10:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: If I receive inheritance or win jackpot while waiting for CC would I have to pay it into my IVA ?
Replies: 17
Views: 3587

i thank you all for what you have all said, thank you Michael I shall call on Monday many thanks. like everyone states after you have made that final payment after 5 /6 long years you should be able to get your cc, the ppi claims could take a while and have no bearing on you, it just goes into the p...
by Garyd0559
Sat Feb 14, 2015 4:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: If I receive inheritance or win jackpot while waiting for CC would I have to pay it into my IVA ?
Replies: 17
Views: 3587

i am with mc duffy, just a bit fed up with eif as the are not doing enough in my eyes. they seem to have waited till the last 3 mths before starting to do any claims on ppi.it may be april before I get my cc gutted !!!!
by Garyd0559
Fri Feb 13, 2015 9:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: If I receive inheritance or win jackpot while waiting for CC would I have to pay it into my IVA ?
Replies: 17
Views: 3587

I made my final payment in nov 2014 its now mid feb, I am still awaiting eif to make a claim on a ppi, how much time do they have to sort this .

in there slow approach to this if I won the jackpot or my parents die would I have to pay the monies I receive into the iva ?
by Garyd0559
Wed Jan 07, 2015 7:12 am
Forum: Ask IVA Forum and Industry experts
Topic: What should I do about PPI claim ?
Replies: 2
Views: 1559

hi made my last payment in nov awaiting my cert of completion. three years ago I applied to reclaim ppi. I received a cheque for 3000 and a letter stating they have informed my ip,not hearing nothing then for a further 3 yrs. being told today that eif are awaiting correspondence from the said ppi cl...
by Garyd0559
Mon Dec 15, 2014 10:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: All monies on my IVA are now paid up. Do I keep pension lump sum ?
Replies: 4
Views: 2233

hi Hi andy no I got told today that it will be around 6 to 8 weeks before I get my cert. I know I should declare the monies but my pension I had being ayed into was stopped 2 yrs before I started the iva and then was payed into my account the day after my last payment. now im jus sat on egg shells P...
by Garyd0559
Mon Dec 15, 2014 11:13 am
Forum: Ask IVA Forum and Industry experts
Topic: All monies on my IVA are now paid up. Do I keep pension lump sum ?
Replies: 4
Views: 2233

this is on my iva all monies are now paid up. received a pension lump sum but do I keep or risk telling he is my iva i have looked at some paper work and it readsassets,a statement of my affairs and estimate values is in appendix aassets specifically pledged,my homeassets not specifically pledgeOcta...
by Garyd0559
Sun Dec 14, 2014 2:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: I was not aware that a pension lump sum was classed as a windfall. Any advice please ?
Replies: 6
Views: 1537

windfall/asset/inheritance should the debtor receive or become entitled to any windfall or inheritance payment with the value of £500 during the course of the arrangement which would be deemed after acquired assets within section 307it must be paid or transferred to the supervisor . the max the debt...
by Garyd0559
Sun Dec 14, 2014 2:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: I was not aware that a pension lump sum was classed as a windfall. Any advice please ?
Replies: 6
Views: 1537

i have looked at some paper work and it reads assets, a statement of my affairs and estimate values is in appendix a assets specifically pledged, my home assets not specifically pledge Octavia excluded assets as my domestic assets are of modest value and would be exempt in a bankruptcy, propose they...
by Garyd0559
Sun Dec 14, 2014 2:02 am
Forum: Ask IVA Forum and Industry experts
Topic: I was not aware that a pension lump sum was classed as a windfall. Any advice please ?
Replies: 6
Views: 1537

I cant find nothing in my iva for pension funds. all I find is assets or windfalls where do I look I don't want to tell my iva as my last payment was nov 28 I got pension check on nov 29 still awaiting for comp cert help
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