Search found 19 matches

Search found 19 matches Page 1 of 2
by Help-Is-Here
Wed Feb 28, 2007 9:10 am
Forum: IVA postbag for february
Topic: Creditors Auto-dialling every day
Replies: 7
Views: 5179

HA! That's so amusing! Please do that to your creditors, it would be so amusing!
by Help-Is-Here
Mon Feb 26, 2007 5:00 pm
Forum: IVA postbag for february
Topic: lump sum payment without IVA
Replies: 6
Views: 2120

Correct.

If you look in your proposal, there should be a paragraph on Windfalls.

If you get a windfall you must notify your supervisor.

IVA's are there for people who cannot afford to pay their debt back in full, so if you can, it is only fair that you do so.
by Help-Is-Here
Fri Feb 23, 2007 9:10 am
Forum: the hot hot IVA topics in 2007, 20 replies plus
Topic: NEXT DIRECTORY
Replies: 21
Views: 2725

NeverEnding. Usually I wouldn't take offence at people not being nice to the company I work for but I have to put my foot down with this one. It is appalling you are correct....but on behalf of the creditors, not the company. I have sent out the chairmans report, proposal, everything to some credito...
by Help-Is-Here
Wed Feb 21, 2007 12:38 pm
Forum: IVA postbag for february
Topic: at this rate of going I will never be free
Replies: 3
Views: 1274

I agree.

If you have no sizable assets which you fear losing then I also think think that you should seriously look at bankruptcy.
by Help-Is-Here
Wed Feb 21, 2007 12:27 pm
Forum: IVA postbag for february
Topic: Aaargh11
Replies: 2
Views: 1011

It is such a good feeling isn't it!!!!!

Good for you for sticking to your guns!
by Help-Is-Here
Wed Feb 21, 2007 11:34 am
Forum: IVA postbag for june
Topic: what is my best route
Replies: 12
Views: 1410

You would be better ringing a company/IP and giving them all your details. ALthough we have a nice outline of your circumstances here we would need to know the ins & outs of your expenditure really before we could advise. I obviously do not expect you to put that on here so my advice would be to con...
by Help-Is-Here
Tue Feb 20, 2007 3:46 pm
Forum: IVA postbag for february
Topic: Need Help
Replies: 4
Views: 1304

Hi Laleanne, I have read on previous threads that you are with debtmatters. I work there, If you send in any correspondance you have from any creditors into us we will kindly remind them you are in an IVA. If you are just receiving phone calls - politely tell them that you are in an IVA, give them y...
by Help-Is-Here
Tue Feb 20, 2007 12:55 pm
Forum: hot hot hot topics in 2007 ! more than 60 replies
Topic: Help please
Replies: 64
Views: 21356

Oh yes most definatley, as I say every company/IP is different so just to safe guard yourself, you are best to get this in writing from your IP
by Help-Is-Here
Tue Feb 20, 2007 12:50 pm
Forum: mortgages
Topic: I am worried that it will affect my mortgage
Replies: 2
Views: 1039

Hi Timl, Most people who enter into an IVA do have a bad credit rating so don't worry about that one. Now then, your mortgage, what is it you are worrying about? Your current mortgage, getting a mortgage or re-mortgaging in the future? Let me know so that I can give an appropriate answer! It is diff...
by Help-Is-Here
Tue Feb 20, 2007 12:39 pm
Forum: IVA postbag for february
Topic: So Scared!
Replies: 6
Views: 1047

It is impossible to not worry you are right. The thing is, Your wedding is such a happy occasion, you cannot let the result of your IVA change that. If your IP thought your IVA wouldn't pass, they would have advised you of a better option. Hang in there, I'm sure everything will work out for the bes...
by Help-Is-Here
Tue Feb 20, 2007 12:34 pm
Forum: IVA postbag for february
Topic: more to pay on MOT and insurance
Replies: 2
Views: 979

You would need to discuss this with your IP but as far as I can see, as long as you haven't missed previous payment or are in arrears I can;t see it being a problem, however you would need to check with your IP as every IVA is different. Is this just due to the MOT or has your car insurance increase...
by Help-Is-Here
Tue Feb 20, 2007 11:18 am
Forum: IVA postbag for february
Topic: I was badly advised
Replies: 6
Views: 1205

Davina, I am very sorry that you feel you have been badly advised. First of all, if you can afford to increase your contributions, you could see whether or not you could arrange a shorter term for your IVA. An IVA is not stuck at a five year term. I have drafted IVA's for one & three years before no...
by Help-Is-Here
Tue Feb 20, 2007 10:31 am
Forum: IVA postbag for february
Topic: My creditors meeting is 21/02/06
Replies: 5
Views: 1404

Best of luck for tomorrow...

I hope everything works out for you, let us know how you get on!!

x
by Help-Is-Here
Tue Feb 20, 2007 10:28 am
Forum: IVA approved!
Topic: IVA Approved 19th Feb :)
Replies: 28
Views: 2878

Well congratulations jannette!

I hope it all works out for you!
by Help-Is-Here
Tue Feb 20, 2007 10:25 am
Forum: hot hot hot topics in 2007 ! more than 60 replies
Topic: Help please
Replies: 64
Views: 21356

Quegkey, Obviously each company works differently, but from my experiences we refund the money. In most cases an IVA is free for debtors, although the IP is obviously receiving a fee for their work, it is the creditor who loses out on that money, not the debtor. So although the creditors may reject ...
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