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Posted: Thu Oct 11, 2007 6:56 am
by couple31
Hi

Almost finished setting up my IVA but nothing has been sumbitted yet

Several months ago, some clients bought equipment from me that I bought on pay now pay later (which isn't due yet)

2 agreements, one for 494 and one 350

I had trouble getting the money out of them but they have settled now before the amount is due to be repaid

Can I pass on the money to the company now and clear them before my IVA creditor's meeting is called as I haven't included those 2 agreements because they were 2 busines transactions and the loan hasn't technically started yet?

Or will the other creditors find out that i'd paid them off even though they aren't listed for the IVA and I'll get into trouble?

If I settled the loans before they became due, i'd pay no interest, otherwise the total amount owed would be higher with the interest added to it

ie 494 would become a 750 debt
and 360 would become a 620 debt if the loan was deemed to have started

Posted: Thu Oct 11, 2007 10:45 am
by mikebdomain
Personally, I would pay them now, it could be argued (if it come up) that these were business transactions and you were acting more as an escrow agent to finance your customers equipment and they were technically not a debt. Or, at least not yet they are not.

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Posted: Thu Oct 11, 2007 11:50 am
by Andrew Graveson
Hi couple 31,
I'd suggest you are open about this and discuss it with your IP. They are significant amounts of money; but not so significant that you'd want to do anything that might jeopardise the chances of your IVA being succesful?

Andrew Graveson
Independent Mortgage Broker & MD Bright Oak Debt Management
andrew@brightoak.co.uk
www.brightoak.co.uk

Posted: Thu Oct 11, 2007 7:36 pm
by couple31
Thanks for help guys

Got hold of IP eventually and he agreed that i should settle them now and pass them off as being part of busines functions - he couldn't see them causing a problem with the IVA

Cheers

Posted: Thu Oct 11, 2007 8:04 pm
by mikebdomain
Great!

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LEYBRIDGE LIMITED
Mortgage Broker

Specialising in adverse credit.

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf