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by Broke of London
Sat Oct 05, 2013 12:04 am
Forum: Ask IVA Forum and Industry experts
Topic: Hard post to write
Replies: 22
Views: 3007

Congratulations on sorting out your debt! You'll feel like the weight of the world is lifted from your shoulders when your proposal is accepted so stay strong for the next few weeks. x
by Broke of London
Tue May 07, 2013 2:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hi. Told to take out a loan against my property at the end of my IVA. Advice please
Replies: 97
Views: 9402

IVAproviders definitely shouldn't be telling people they won't be able to remortgage...as long as it's in the proposal it's a real possibility however unlikely over the past couple of years. But if re-mortgaging makes an IVA unpalatable there are other options.
by Broke of London
Mon May 06, 2013 7:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: Apology ! I apologise for my previous thread
Replies: 85
Views: 6518

Foggy - you just reminded me I have a bottle of beer cooling in the fridge! Hi Ox - we haven't met before but you sound a lot like me. When I have a problem I become obsessed and can't stop myself going round in circles. Two things helped. I took Citaloptam for a short while and it stops the obsessi...
by Broke of London
Mon May 06, 2013 6:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Struggling
Replies: 43
Views: 3563

Hi Denise! I saw an IVA as a way of gaining control over my finances and my future...I just needed help from a professional to get that control! It is a crazy emotional rollercoaster, especially in the early days, but it will be worth it. x
by Broke of London
Mon May 06, 2013 6:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: HP and an IVA
Replies: 10
Views: 1786

Hi! I don't have experience of this but would be tempted to leave well alone as you said. It has been a year after all and they haven't done anything. Congrats on your first year x
by Broke of London
Mon May 06, 2013 4:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: My husand and I are in a joint IVA, he was already retired and I am due to retire soon.
Replies: 4
Views: 1075

Have you checked your paperwork? This may ave been planned at the outset if you're at normal retirement age.

Your IP will be a great source of advice and will be able to help you through. No one wants you to lone a cropper now.

x
by Broke of London
Mon May 06, 2013 3:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: PPI CLAIM
Replies: 48
Views: 4404

I feel for you! Only one of the accounts Richardson Mail are investigating for me has been resolved nearly 18 months after they took up my case. I had thought it wouldn't affect my completion but with only a year to go I think they'll be delaying mine too! Fun y to read back from VN about the proces...
by Broke of London
Thu Feb 28, 2013 8:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hi guys, I am not sure what to do for the best
Replies: 19
Views: 1919

Good luck for your meeting on 8 March. Fingers, toes and everything crossed for you. xx
by Broke of London
Thu Feb 28, 2013 8:39 pm
Forum: friends corner
Topic: Hello Again!!
Replies: 7
Views: 1457

Hi Forum! I've missed you all!!!!! I had a busy few months burying myself in work and yoga trying not to leave myself time to think too much about my IVA. But I've had a crazy start to the year (I've nicknamed it 'Unlucky 13' already) and it has made me realise what a great support this forum is. I'...
by Broke of London
Wed Oct 31, 2012 11:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: CCCS see a DMP as the way forward not an IVA. Any advice much appreciated.
Replies: 64
Views: 5902

Hi John. CCCS don't seem to be offering you any viable solution; just a DMP which is too expensive and they are refusing to discuss an IVA. I hope you speak to one or two more experts before making a decision. DMPs and IVAs both have their pros and cons so it comes down to what's best for your famil...
by Broke of London
Sun Oct 28, 2012 4:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: iva mess
Replies: 11
Views: 1985

And for everyone that does a runner on their debts, the banking crisis gets a little worse and helps cause a stagnant economy and the interest rates for innocent people go up and mortgages get a little harder to come by. Still, I hope it all works out for you Hitch.
by Broke of London
Sun Oct 28, 2012 4:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: How will possible delay by GT in issuing competion certificate effect likely redundancy package?
Replies: 22
Views: 2859

Perhaps GTs clients could request variations to exclude any prevent contributions Beyond VAT and PPI.

Although presumably if GT are quoting the book at clients they too will be sticking to their terms re admin period and no-one has anything to worry about?
by Broke of London
Sun Oct 28, 2012 4:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paid off my IVA in full. Lender will keep back part of PPI claim lodged ? Your advice please
Replies: 36
Views: 5170

The debt no longer exists in so far as no NEW money is required in payment. PPI is an asset which existed at the time of the IVA and if assets are captured within the terms of the IVA it is due in payment of those debts. My IVA proposal is explicit in that creditors should set off their own debt fir...
by Broke of London
Sun Oct 28, 2012 10:00 am
Forum: Ask IVA Forum and Industry experts
Topic: What does a couple with joint IVA and joint mortgage in negative equity have to when they separate?
Replies: 2
Views: 911

Only your own IP can give proper advice as we have very few details but it may be possible to split the IVAs and carry on individually. If both or either of you cannot maintain an I A then that party will need to look at other options.
by Broke of London
Sun Oct 28, 2012 9:58 am
Forum: Ask IVA Forum and Industry experts
Topic: BTL Property - lender wont repossess
Replies: 6
Views: 1322

Doesn't sound great! Speak to your IP and if all else fails, just stop paying the mortgages - you don't want the properties anyway so it's of no consequence to you if they repossess. Although it will impact on your ability to obtain future mortgages. The IVA should be able to proceed with anticipate...
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