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by Chrisd6855
Tue Jun 22, 2021 12:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Increased monthly payments
Replies: 5
Views: 2838

Thanks again for listening as I need to Vent! Pretty much everything they had previously agreed and the creditors agreed in annual reviews. I also made a recent final offer to the creditors conclude the IVA albeit a small amount and based on being able borrow from family members and the IP refused p...
by Chrisd6855
Tue Jun 22, 2021 9:48 am
Forum: Ask IVA Forum and Industry experts
Topic: Increased monthly payments
Replies: 5
Views: 2838

Thanks for the reply. First I must say that my maths was incorrect, the increase is actually 200% or triple the amount I have been paying for 6 years. This happened following a complaint I raised when in April they said it needed to increase by 40%. There argument is that I must have inflated my liv...
by Chrisd6855
Mon Jun 21, 2021 5:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Increased monthly payments
Replies: 5
Views: 2838

<t>Hi, I have competed 66 months of my IVA (Dont ask! it was extended by six months initially for me to find a job in order to make monthly payments, even though in that period they received a lot of PPI refunds from me). After failing to be able to remortgage against a small amount of shared equity...
by Chrisd6855
Wed May 13, 2015 5:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is my wife, who is not part of the IVA, entitled to her share of the PPI on overdraft ?
Replies: 11
Views: 3017

Bit of an update in case anyone else is having similar problems with the IP trying to avoid paying out to partners. Like I have said I have worked in the Insolvency Business for the last 15yrs so I thought Id check the technical manual issued by the Insolvency Service for IP's in regard to the Insol...
by Chrisd6855
Thu May 07, 2015 3:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is my wife, who is not part of the IVA, entitled to her share of the PPI on overdraft ?
Replies: 11
Views: 3017

I know this is slightly ironic but any advice would be helpful again. I have been self employed for the last 13yrs working for IP's in in the main to recover debts from those responsible for causing bankruptcy on a CFA i.e. major companies who just decided not to pay. Spent the last three yrs on a m...
by Chrisd6855
Wed May 06, 2015 2:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is my wife, who is not part of the IVA, entitled to her share of the PPI on overdraft ?
Replies: 11
Views: 3017

Well after speaking to Barclays things have become much less clear. PPI policy only covered myself and regardless of who paid the premiums that's where they have to pay it. When asked "then why are they chasing my wife directly for this" he said they shouldn't be!!. Waste of time, Think I will just ...
by Chrisd6855
Wed May 06, 2015 2:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is my wife, who is not part of the IVA, entitled to her share of the PPI on overdraft ?
Replies: 11
Views: 3017

no not yet Barclays have said I could do this via the agent chasing my wife but not sure how this could happen if IP has cheque
by Chrisd6855
Wed May 06, 2015 1:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is my wife, who is not part of the IVA, entitled to her share of the PPI on overdraft ?
Replies: 11
Views: 3017

The more I think about this and the more annoyed I get, I would welcome any comments on the following scenario I am about to hit my IP with. Key points at hand are that all payments made for this PPI are from joint account dating back 17yrs. Both the IP and Barclays have erred in pursuing this witho...
by Chrisd6855
Wed May 06, 2015 11:52 am
Forum: Ask IVA Forum and Industry experts
Topic: Is my wife, who is not part of the IVA, entitled to her share of the PPI on overdraft ?
Replies: 11
Views: 3017

Thanks for this but, don't think it will be enough and in fairness we could really do with this just to keep wolves from door.
by Chrisd6855
Wed May 06, 2015 11:19 am
Forum: Ask IVA Forum and Industry experts
Topic: Is my wife, who is not part of the IVA, entitled to her share of the PPI on overdraft ?
Replies: 11
Views: 3017

Thanks Foggy

To say they are being evasive is an understatement. They are trying to suggest that it may not have been joint account.

It appears they are just seeing the pound signs.
by Chrisd6855
Tue May 05, 2015 4:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is my wife, who is not part of the IVA, entitled to her share of the PPI on overdraft ?
Replies: 11
Views: 3017

Hi, I am in an IVA and I allowed the IP to check and see what PPI may have been miss -sold to me. Cutting a long story short, it transpires that on my joint account we have been paying PPI on the overdraft for 17yrs. It seems the IP is due to get approx. £22k for this. Is my wife entitled to her sh...
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