Sorry lil.me, you cannot say that the application was flawed. You do not have personal knowledge of the IVA, neither do I, but I do know that Mel would not have given duff information. i did clearly say on the"infomation given"it does seem that the origonal poster was not made clear on the responib...

Is that what you are suggesting I have done Lil.me? going on the "infomation given" it would appear that the iva proposal in this case was flawed. if you forget about the fact that these are your clients,if someone posted on here with the same problem,(given your knowledge of debt and joint liabitl...

I'm sorry, but I do have to disagree with lil.me. Melanie would not have mislead anyone, and I don't think she has made a mistake with her proposal. And no, she is not my IP! sorry but if you pull yourself away from any personal feelings regarding this there is no other conculsion to come to other ...

I can't comment if the IVA is meaningless as we don't know the value of debt that was in joint names. I'm sure Melanie will do all she can to help thefsg off forum. i hope so too,we all make mistakes,its not the mistakes we make its what we learn from them and how we resolve them. as ive said an iv...

I agree with Lesley and Jan - there's no way that Mel or her team would not give the correct information or 'mis-sell' an IVA. Lil.me, very few IVA's are actually 'mis-sold', any problems are usually down to a misunderstanding. Are you actually in an IVA as I've noticed that you are very cynical to...

this is really a case of poor advice bordering on misselling. it should be a fundamental rule that where joint liability is established other liable parties should also be entering into a similar arrangement or it basically renders the whole arrangement pointless,apart from of course having to pay b...

Skippy wrote:

I would have thought that the creditors could dispute this though as it's basically witholding money from them.

possibly,but taking into account the major use of this is for tax avoidance purposes i would hazzard a guess that if the tax man cant touch it no one can....[:o)]

I seem to remember reading on here that it's not possible to refuse an inheritance whilst in an IVA. with a deed of variation it would not be refusing an inheritance it would be deemed as if the deceased left the money to the newly named person as if that was how the will was written in the first p...

with fee's like that it would almost make applying for a deed of variation on the will thus the inheritance will never go to you but to someone else seem ethical [;)]

I know your IP firm Lula, and trust that your IP will be dealing with this issue, and ensuring that the staff member receives the right level of training to ensure this unfortunate incident does not happen again. doesnt need much training to close the door on your way out,im horrified at this and w...

lil.me: "£5000 for a second hand car while in an iva could be seen as slightly on the extreme side. and they will certainly have looked dimly on the fact that you are and can afford to pay a family member 100% of an outstanding loan whilst creditors are only receiving a percentage of what they are ...

£5000 for a second hand car while in an iva could be seen as slightly on the extreme side. and they will certainly have looked dimly on the fact that you are and can afford to pay a family member 100% of an outstanding loan whilst creditors are only receiving a percentage of what they are owed. even...

as you do need the permission of your ip to gain credit whilst in an iva,surely this means via official credit companies. it does seem very harsh of your ip to take this stance because of a "loan" from a family member,in fact when problems occur during an iva which over a 5 year iva period happens t...

im with dfd and no mention of overtime in my proposal at all,seems all i get is annual review and up to now no increases,i get a pretty much guaranteed amount of overtime which equates to just about 10% of my weekly pay. to be honest with the cost of living as it is at the moment with everything goi...

quite sad to see and shows that absolutely nothing has be learnt from the finacial blip we have been going through,i say blip because i think thats what it is/was and think its only time before we really do hit a real depression.