Hi,
Many thanks for the reply, it makes sense so thank you for that
Regards

Hi All, I wanted to get some independent advice on a join loan me and my wife have together. So we have a join loan with Hellidor Mortgages, which at the start of the IVA i believed was not in the agreement as the company could still chase my wife for the full amount of the debt. After our first ann...

Hi, Great story to read, from my perspective I was interested that even though you were in an IVA - you able to seek a loan to enable early settlement. How does that work and is Sprout loans still a viable option to look into ? It might be tip the balance in me and my partner being able to offer up ...

Hi Thank you for the reply, I have posted before asking about the call of my IVA on my partner, my agreement is unfortunately penned to consider all household income and the payment plan is based upon the households free income. The I.P is already asking questions about settlement etc, we don't want...

Hi All, I wanted to ask for some advice, I am in the position whereby my payment plan is calculated on the basis of household income rather than mine as an individual, (Quantuma are the Insolvency Practice - probably 1 to avoid). Unfortunately like many others in this lockdown, my partner has been m...

Hi, So i checked my credit file for the first time since my IVA was arranged in January of this year, and for most of my loans / credit cards etc - there is a d - default against each month since January. Is this correct ? - feels like i need to address this - otherwise i will have defaults for the ...

Hi
Thanks again - yes i am with the following company Quantuma

Rgds

Thank you for taking the time to read and reply. My IV has indicated that they will apply the household income etc rather than the Individual. In your experience is there anything in legislation that requires them to operate in a certain way. I would have thought applying the household rule would no...

Hi All, Apologies if this has been asked before, put several terms into the search bar and nothing was returned. I am coming up to my first annual review, the formula used to calculate my monthly payment, takes the household available money after essential bills and then applies my household income ...