Search found 11 matches

Search found 11 matches Page 1 of 1
by jay4
Mon Jul 06, 2015 3:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: How likely are creditors to terminate arrangement if any instalments are still outstanding?
Replies: 2
Views: 1586

Hi, I am coming to the end of my 6th year in an IVA and have recently fallen behind with payments due to the death of my father and my wife being hospitalised with pneumonia. As I am self-employed this prevented me from working for several weeks. Although I will, by the time of our review be able to...
by jay4
Fri Oct 24, 2014 9:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: Why would an insolvency practitioner transfer clients to another company ?
Replies: 2
Views: 1925

why would an insolvency practitioner transfer clients to another company, surely this can only be in the interest of the IP and not the client?
by jay4
Fri Oct 24, 2014 1:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: What are the implications of being transferred to another company ? We are in our 5th year.
Replies: 2
Views: 1818

Hi,I have just been informed that my arrangement is to be transferred from one company to another, can anyone advise as to the possible implications for this as we have just completed our fifth year and are understandably concerned.
by jay4
Thu Aug 11, 2011 5:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will our joint IVA prevent my wife from returning to work ?
Replies: 2
Views: 774

Hi my wife is currently planning to return to work in the financial sector and has been offered a temporary position with a major financial institution. She has been told that a credit check will be made. Will our joint IVA prevent her from work and if so are there any steps we can take?
by jay4
Fri Sep 18, 2009 8:58 am
Forum: Ask IVA Forum and Industry experts
Topic: am I right in thinking
Replies: 6
Views: 1135

Hi, in my proposal it states that money may be raised in the final year by 'refinance or sale', am I right in thinking that 'sale' would only occur if I chose to sell and not at anyone else's behest
by jay4
Thu Jun 04, 2009 9:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: When one is asked to re-mortgage in the final year
Replies: 12
Views: 1449

When one is asked to re-mortgage in the final year, can the repayment period be expected to run beyond normal retirement age?
by jay4
Tue Apr 28, 2009 3:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: If one's partner returns to work during an IVA, ca
Replies: 1
Views: 910

If one's partner returns to work during an IVA, can the creditors insist that the other, self-employed, partner maintains the same level of work. Could one legitimately argue that childcare and a reduction of hours to a more reasonable level prevents one from earning the same (the IVA is joint). Thi...
by jay4
Tue Apr 28, 2009 3:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: With reference to my previous question
Replies: 6
Views: 924

With reference to my previous question, my point is this, is it inevitable that the payments must increase, or could one argue that the situation is the same financially, just that the income is coming from a different source.
by jay4
Thu Apr 02, 2009 10:38 am
Forum: Ask IVA Forum and Industry experts
Topic: If one is to release equity at 54 months
Replies: 2
Views: 910

If one is to release equity at 54 months, what is the regulations regarding repayment period? If one is male and self-employed can one be forced to go beyond standard retirement age, ie:65
by jay4
Wed Apr 01, 2009 8:56 am
Forum: Ask IVA Forum and Industry experts
Topic: the matter is not definitively explained in law
Replies: 9
Views: 1415

Many thanks for the replys, but am I still confused because the matter is not definitively explained in law. For instance, if one is paying £400 into an Iva having already gone interest only to do so, a return to repayment at Iva end would inevitably 'eat up' the 50% remortgage limit, is this allowa...
by jay4
Tue Mar 31, 2009 5:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: If one changes one's mortgage from repayment
Replies: 18
Views: 2085

If one changes one's mortgage from repayment to interest-only in order to release more funds to facilitate an IVA, how would a desire to return to repayment (at IVA end) impact on any requirement to re-mortgage. do I have a 'right' to return to repayment?
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