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by Foggy
Tue May 21, 2019 8:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: In serious debt but scared of an IVA
Replies: 16
Views: 639

You have made a good choice with McCD. I hope it all goes smoothly for you ... remember, we are always here if you have any more questions or have a wobble.
by Foggy
Tue May 21, 2019 3:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: Daughters DLA
Replies: 3
Views: 90

So I’m using Stepchange for the IVA. So should I just say that my income is fully for expenses for all in my household or detail that wife gets DLA for daughter and that’s her only ‘income’? If you want them to override the usual assumptions they are going to want to see figures and proof. It might...
by Foggy
Tue May 21, 2019 2:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: First Dispute Management
Replies: 2
Views: 96

As you have seen in other threads on this subject, nobody knows as this is all uncharted territory and many have divided opinions. Even FDM do not know and, it seems, assume the case will just go away if the letter remains unanswered --- but Aperture might have different ideas. However, if they deci...
by Foggy
Tue May 21, 2019 2:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Daughters DLA
Replies: 3
Views: 90

The DLA is awarded to your wife for your daughter's benefit. It is not your income and your IP does not have to know about it, nor indeed, any of your wife's finances. YOUR debts should be paid from YOUR income, not hers (although Payplan take a different view, or at least used to). Initially they o...
by Foggy
Tue May 21, 2019 1:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Aperture, PPI and FDM
Replies: 3
Views: 360

I just found this online, I called up FDM and this is what its all about, quite worrying to read to be honest https://www.hilldickinson.com/insights/articles/green-v-wright To be fair, it is actually nothing new and just brings clarity to the presumptions IPs used to rely on before the case. The th...
by Foggy
Tue May 21, 2019 10:27 am
Forum: Ask IVA Forum and Industry experts
Topic: ILR and naturalisation applications
Replies: 2
Views: 134

It shouldn't do, but best to check with the Immigration Department.
by Foggy
Tue May 21, 2019 10:25 am
Forum: Ask IVA Forum and Industry experts
Topic: Do I have to sign up with further PPI company?
Replies: 5
Views: 417

I have amended mine to limit their authorisation to view details only available prior to my IVA end date .... don't know, yet, how they will react to that.
by Foggy
Mon May 20, 2019 7:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Scared
Replies: 1
Views: 147

Is Nationwide one of your creditors ?

Who did Stepchange refer you to ? I ask out of interest because they used to farm out to Grant Thornton, now Aperture, and I was wondering if that was still the case.
by Foggy
Mon May 20, 2019 3:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Amigo loan in partners IVA
Replies: 1
Views: 161

Was the fact that she was a guarantor for your loan disclosed to her IP when her IVA started ? If so and it was included as a contingency loan her IP should be able to deal with it, if not it might derail her IVA. She needs to speak with her IP about it. If you do into an IVA the loan will become pa...
by Foggy
Mon May 20, 2019 3:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: creditfix or shop around?
Replies: 8
Views: 272

If your current bank is a creditor you should have been advised to open a different basic current account with another bank ... avoid HSBC and First Direct, as they are likely to close the account. This is best done before your credit record gets too messy. Although creditor banks shouldn't do it - ...
by Foggy
Sun May 19, 2019 1:38 pm
Forum: Ask IVA Forum and Industry experts
Topic: creditfix or shop around?
Replies: 8
Views: 272

You will not get a "better offer", but you could get better service, or have a better relationship for the 5 or 6 years. An IVA is an IVA, broadly speaking, whoever provides it --- but you are looking at comparing EasyJet to Etihad Airways --- levels of service do vary. CF have thousands of happy cu...
by Foggy
Sun May 19, 2019 1:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors statement
Replies: 4
Views: 222

You can request a statement, but, at this stage, it will tell you little. Dividends are distributed quarterly / 6 monthly (whatever frequency was agreed) and, usually, the first 6 months payments, or more, go towards nominees fees ( for setting up the IVA ) so creditors would have got nothing so far...
by Foggy
Sun May 19, 2019 11:38 am
Forum: Ask IVA Forum and Industry experts
Topic: Am I locked into my Iva?
Replies: 3
Views: 250

Sometimes the option for bankruptcy is includedin an IVA if it fails. However, most of the time is not. You will have to read your proposal to find out which it is in your case. If the IVA fails, and automatic BR is not written in, your creditors could still decide to make you BR themselves --- but ...
by Foggy
Sat May 18, 2019 8:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage after IVA
Replies: 3
Views: 253

1. After the 6 years is up, will I still be penalised? For example, would I be eligible to buy a new build that offers a lower deposit? Or will I always have to put down £30,000 plus? Will I have a higher interest rate due to having had an IVA. It will get easier to get better rates and access to m...
by Foggy
Sat May 18, 2019 10:09 am
Forum: Ask IVA Forum and Industry experts
Topic: credit score
Replies: 11
Views: 357

6 years was up last September my certificate had been ready since November but no one sent it I was just waiting when I got in touch on Monday he told me this and promised to send it but he didn't so I rang again Thursday and that person finally sent it got it Friday but iv' done 6 years and waited...
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