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by luluj
Mon May 30, 2022 8:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Moving Home
Replies: 66
Views: 10278

Late to the conversation sorry. Just wanted to wish you well and hope your creditors/ IP look favourably to ensure this us concluded at the earliest opportunity for you.
by luluj
Sat May 28, 2022 1:05 am
Forum: Ask IVA Forum and Industry experts
Topic: Completion certificate
Replies: 6
Views: 840

That's good news and should hopefully full within the 6 months timeline. I would certainly be calling every other day after the 10th June until its received - make yourself a bit of a nuisance and hopefully if necessary they will expediate things.
by luluj
Thu May 19, 2022 1:04 am
Forum: mortgages
Topic: Mortgage offer after IVA (within 6 years)
Replies: 2
Views: 4978

Fully support Foggy's suggestive route. We used Ryan and his team and they have been excellent in identifying the right mortgage products for us over the years since our iva concluded
by luluj
Thu May 19, 2022 1:02 am
Forum: Ask IVA Forum and Industry experts
Topic: Vanguard Insolvency wound up.
Replies: 5
Views: 4406

Interesting times - feel sorry for those mixed up in the changes as it all adds to the worry of the iva.
Let's hope the communications are a little more "open" and "informative" for those with existing ivas.
by luluj
Thu May 12, 2022 1:20 am
Forum: Ask IVA Forum and Industry experts
Topic: Energy Rebate Scheme
Replies: 12
Views: 4479

I would have been cross if they had taken a different stance !
by luluj
Wed May 11, 2022 9:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Charity Trustee
Replies: 3
Views: 3856

It depends on the charities specific regulations they have around financial matters linked to their trustees. In my iva I was allowed to continue as it was very specifically worded with regards to ever having been declared bankrupt .... have a good read of any constitution or terms of reference
by luluj
Fri May 06, 2022 12:29 am
Forum: how are you coping?
Topic: Is it worth it?
Replies: 4
Views: 1864

Totally agree with foggy... Worth it albeit a very tightly managed period of time which we learnt hugely from. In coming months I think alot of people are going to be seeking help - see an iva as a 5 year loan. Break it down into small increments and it quickly goes. Ours finished in 2010 and since ...
by luluj
Mon May 02, 2022 9:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: Increase in monthly payment
Replies: 6
Views: 4218

I would give them a call and ask them to review your case for you. I would be just as anxious wanting to know what the change is rather than waiting for a few months for them to contact you. Let us know how you get on.
by luluj
Thu Apr 28, 2022 7:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Understanding an F&F
Replies: 8
Views: 5765

I agree with Foggy it isn't going to generate a positive outcome going in too low. The offer should be as close to the remaining payments as possible. You can try lower but for me I'd go with remaining payments minus three months (you'll be still paying this whilst waiting for the full and final off...
by luluj
Fri Apr 22, 2022 4:32 am
Forum: Ask IVA Forum and Industry experts
Topic: Still chasing
Replies: 17
Views: 6136

If you finished in Feb 22 and waiting on your completion certificate I would simply answer the call and direct them to your iva company - you are protected as foggy and kallis have said and although you don't want to open up those old conversations I would be doing so, as it is better than a knock o...
by luluj
Fri Apr 22, 2022 4:27 am
Forum: a success story
Topic: Success story!
Replies: 11
Views: 13215

@iva2010a I stand by my post of several months back - I don't condone the hiding of information that you did when your iva was live. Not only you hid the equity from a sale of undeclared property, you failed to declare the receipt of CSA that was paid into a relatives account so that it was "hidden"...
by luluj
Fri Apr 22, 2022 4:17 am
Forum: Ask IVA Forum and Industry experts
Topic: Offered a full and final figure based on the sale of our house
Replies: 14
Views: 8712

As frustrating as it is in the delay, there is progress and they are working towards it now. Hang in there for the that light in the tunnel is getting brighter x
by luluj
Wed Apr 20, 2022 9:11 pm
Forum: annual review
Topic: Financial Support Systems Annual Review
Replies: 13
Views: 18903

First review nerves- I remember them well.

Just ensure your income and expenditure truly reflects your day to day living - it is what it is right now and everyone is having to consider their spends on all levels, so you won't be alone in asking for greater flexibility.

Let us know how it goes.
by luluj
Wed Apr 20, 2022 9:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I keep my car on HP if apply for IVA?
Replies: 20
Views: 5447

How did you get on making the call?
by luluj
Wed Apr 20, 2022 10:27 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditor Oddity
Replies: 5
Views: 3774

The £150 will be paid out only once the first direct debit has been taken from the bank account for 22/23 Council tax - they have until September to pay it out so its a variable feast
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