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by Tina Shortland
Tue Nov 05, 2013 11:38 am
Forum: full and final settlements
Topic: FF payment question
Replies: 9
Views: 7995

Hi Helpless121 welcome to the forum, pleased to read you have been with us since 2007 and getting help even though we didn't know you were there - this is true for 1000s of people on here who get what they need from just reading others' posts. Fingers crossed indeed! What a lovely supportive Dad you...
by Tina Shortland
Tue Nov 05, 2013 11:33 am
Forum: Ask IVA Forum and Industry experts
Topic: Is it advisable to apply for an IVA through a debt management company or independently
Replies: 8
Views: 1266

Hi Rosie.03 welcome to the forum - glad you found us to be able to start getting positive advice on how to address your debts :-) As you will have seen in order to do an IVA you need a licensed Insolvency Practitioner to represent you and propose and supervise your IVA once it is in place. It is alw...
by Tina Shortland
Fri Nov 01, 2013 9:40 am
Forum: Ask IVA Forum and Industry experts
Topic: Thank You
Replies: 22
Views: 2744

Hello lechyd da, you can contact usy either completing the enquiry form, sending us an email via the site or calling the number on the website. Either way it will ensure we can come back to you directly to discuss your situation further. We look forward to hearing from you.
by Tina Shortland
Thu Oct 31, 2013 10:49 am
Forum: Ask IVA Forum and Industry experts
Topic: There is a new start
Replies: 5
Views: 1191

Hi Markiboy - great news on your camper - hope you get years of fun and use out of it! Great to see you in the light at the end of the tunnel when it looked so far off for you at times. Sensible borrowing can still be part of peoples plans when big purchases are budgeted for so it its good for other...
by Tina Shortland
Thu Oct 31, 2013 10:45 am
Forum: Ask IVA Forum and Industry experts
Topic: My IVA has finished. However I have had quite a lot of overtime in the last year.
Replies: 8
Views: 1264

Hi Tinks81 - no it would be any overtime that was earned prior to final payment being due. Any overtime earned after the final payment was due but before certificate issued would not come into it but as with any clarification it is always best to check your own proposal and clarify with your IP as I...
by Tina Shortland
Thu Oct 31, 2013 10:42 am
Forum: Ask IVA Forum and Industry experts
Topic: Iva finished in April
Replies: 16
Views: 2192

Hi Phil - any update from GT yet as to why the I&E was needed? Hopefully there is a simple explanation and with the right info they can set about preparing your certificate.
by Tina Shortland
Thu Oct 31, 2013 10:35 am
Forum: Ask IVA Forum and Industry experts
Topic: Full/Final
Replies: 10
Views: 1564

What a lovely cousin you have s-murphy-pop! Best wishes with it if you decide to take that offer - let us know how you get on :-)
by Tina Shortland
Thu Oct 31, 2013 10:32 am
Forum: Ask IVA Forum and Industry experts
Topic: CANCELLED Saturday 8 February - Frugal Friends
Replies: 72
Views: 8707

Good work Luluj! Please book me a room - thanks. Happy to have a single if doubles are in short supply.
by Tina Shortland
Mon Oct 28, 2013 3:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am more in debt than when I started. How do I start afresh with everything ?
Replies: 7
Views: 1381

Hi Wendy - welcome to the forum. You need to speak to your IP as a matter of urgency as this is not working for you and IVAs should not leave anyone struggling and missing important payments of any kind, especially mortgage and council tax. Who are you with as they may have a representative on here?...
by Tina Shortland
Fri Oct 25, 2013 3:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is there a way in which our IVA can be finished in 5 years ?
Replies: 4
Views: 1231

Hi Angela welcome to the forum :-) Some IVAs have lower monthly payments and many run for longer than 5 years, quite often 6, 7 or longer. Your supervisor would have not given you wrong advice, they would be feeding back to you the requirements of the creditors to maintain the running of your IVA. I...
by Tina Shortland
Wed Oct 23, 2013 11:49 am
Forum: Ask IVA Forum and Industry experts
Topic: hello. I have recently undergone surgery for colon cancer. What would be a realistic F&F ?
Replies: 2
Views: 876

Hi Oliver.js - welcome to the forum :-) Sorry to read about your recent treatment and hope you are recovering well even though it has left you with a permanent condition to live with. With regards to a F&F offer, You need to look at what is possible based on funds available from third parties as wit...
by Tina Shortland
Mon Oct 21, 2013 6:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors have been continuing to add interest and late payment fees after IVA approved
Replies: 5
Views: 1222

Hi Urbanfox these should have stopped the minute your IVA was accepted. Go back to your IP to have this properly investigated and if necessary follow the internal complaints procedure to ensure you get a proper response but hopefully that will not be necessary. Are you with a company that posts on h...
by Tina Shortland
Mon Oct 21, 2013 6:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: Just completed my 4th annual review
Replies: 10
Views: 1531

Congratulations Why Me on getting so far - you are so close to that light now that others starting out can only hope for. Telling others can be hard, its sometimes easier if you can tell those close around you so no pressure is put on you and you can have that extra encouragement and understanding w...
by Tina Shortland
Mon Oct 21, 2013 6:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Our household income has reduced drastically so I have worked overtime to help.
Replies: 5
Views: 1347

Hi Karendwickhama - welcome to the forum :-) Depending on the wording of your IVA you would normally only be expected to hand over 50% of any additional earning over and above 10% of your net declared income. If you can prove that over the year your net income dropped then you may not have to hand o...
by Tina Shortland
Mon Oct 21, 2013 6:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: Wording of completed IVA ?
Replies: 2
Views: 922

Hi Leah.67 welcome to the forum :-)

Can you expand on your question a little please so we can answer it correctly.
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