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by kallis3
Tue Nov 28, 2023 3:03 pm
Forum: full and final settlements
Topic: Full and final offer
Replies: 1
Views: 1553

You should try and offer as close to the original amount as possible but you can but try to make your offer. Don't forget you will have fees to pay on top and it will take a couple of months to go through.
by kallis3
Sat Nov 18, 2023 5:01 pm
Forum: a success story
Topic: At last its all over
Replies: 2
Views: 1769

That's fabulous news Adam - so glad it has worked out for you. A great early Christmas present as well.

Good luck for the future.
by kallis3
Thu Nov 02, 2023 7:59 am
Forum: Ask IVA Forum and Industry experts
Topic: DRO Application
Replies: 1
Views: 1287

They wouldn't put it through if they didn't think it would be accepted and I, personally have heard of one being rejected. I think you will be fine.
by kallis3
Fri Oct 27, 2023 2:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: First draft Iva refused by Plend
Replies: 6
Views: 1340

That is too much for a DRO. I don't know if companies are required to renegotiate. If they have said no then that might be it and, as you have said it's their loss.
by kallis3
Fri Oct 27, 2023 7:53 am
Forum: Ask IVA Forum and Industry experts
Topic: First draft Iva refused by Plend
Replies: 6
Views: 1340

It is up to your IP to chase Plend who do sound like a nightmare of a company.

With Bankruptcy you may well have to pay an Income Payments order depending on your disposable income and your credit record will be shot for 6 years, same as with the IVA.

Keep talking to your IP.
by kallis3
Thu Oct 12, 2023 7:32 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA doesn't drop off your credit file after 6 years. You have to send them the completion certificate!
Replies: 7
Views: 2024

I know it's a pain but you just have to be patient and keep checking - have you checked the IS to see what it says on there?
by kallis3
Thu Sep 21, 2023 7:58 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA doesn't drop off your credit file after 6 years. You have to send them the completion certificate!
Replies: 7
Views: 2024

Your IP should inform the CRAs that your IVA has completed, mine did and, as far as I am aware, so did all of my friends on here.
It doesn't automatically drop off - down to your IP and not you.
by kallis3
Tue Sep 12, 2023 6:35 am
Forum: full and final settlements
Topic: Made my final settlement Hanover/Creditfix
Replies: 3
Views: 2109

If it's gone to the closures team then the information regarding the creditors acceptance will be on your completion letter. I never received anything other than that.
by kallis3
Fri Aug 25, 2023 5:28 pm
Forum: full and final settlements
Topic: Settlement offer
Replies: 24
Views: 2878

Brilliant news - hopefully your completion will come through soon but be aware your credit rating will still be shot for the full six years from the start of the IVA.
by kallis3
Mon Aug 21, 2023 7:05 am
Forum: full and final settlements
Topic: Made my final settlement Hanover/Creditfix
Replies: 3
Views: 2109

Hanover were taken over by Creditfix. I would email them or phone them and ask them to confirm in writing. Your completion letter can take up to six months but CF have been quite good recently.
by kallis3
Tue Aug 15, 2023 7:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: 4th annual review complete. Question and Reflection
Replies: 3
Views: 2141

So pleased that everything is going well for you and do keep us informed when you finish. Completion can take up to six months but hopefully it won't take that long for you. Good luck!
by kallis3
Mon Aug 14, 2023 5:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Regarding iva
Replies: 3
Views: 1985

The debts included in your IVA will be cleared but the other ones won't. Not sure if you would be able to do a DRO but you could go bankrupt. You would have to pay for it (can't remember the fee now) and you may have to have a payment for three years but you would then be cleared of all debts.
by kallis3
Mon Aug 14, 2023 10:37 am
Forum: IVA approved!
Topic: Creditors Meeting one week away..
Replies: 6
Views: 2036

Very bad of your company and I would certainly make a complaint! You could try again with a different company? In the meantime try doing a Debt Management Plan. This will keep the wolves from the door for a short time.
by kallis3
Thu Aug 10, 2023 1:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Completion certificate mccambridge duffy
Replies: 3
Views: 1925

McD are one of the better firms to deal with as Breezy says so hopefully it will all be totally finished soon.
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