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by Foggy
Tue Jun 02, 2020 10:49 am
Forum: Ask IVA Forum and Industry experts
Topic: Free shares
Replies: 2
Views: 55

Once they are able to be sold they will become after acquired assets and their value due to the IVA, if you are required by the IP to sell.
by Foggy
Mon Jun 01, 2020 7:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is it really over?
Replies: 6
Views: 133

This page was included in the download able report. Certificate of completion pursuant to Part VIII of the Insolvency Act 1986 (the Act) and Part 8 of the Insolvency Rules 2016 (the Rules) I, XXXX XXX, Supervisor of XXXXX XXXXX, hereby give notice that the Voluntary Arrangement of the above individ...
by Foggy
Mon Jun 01, 2020 7:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is it really over?
Replies: 6
Views: 133

You just need that certificate and that will be that ! Keep several copies (just in case) --- it will not be a 'certificate' as such - just a paragraph on a bit of paper, but it does the job !

Congratulations -- Onward and Upward :-)
by Foggy
Mon Jun 01, 2020 5:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: £60k in debt, business about to fail
Replies: 2
Views: 123

It is certainly worth having a chat with an insolvency practioner (IP) about your situation, as there are many other things to bring into the equation. Chat with a couple, at least, to compare advice. Money your dad has been paying in the past is not really relevant as this source has dried up, or w...
by Foggy
Mon Jun 01, 2020 5:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: What happens if i receive a windfall before completion cert?
Replies: 1
Views: 119

It varies by IP and also depends on the exact wording to the agreement. Historically you have beenstill liable to hand over windfalls before the formal completion of the arrangement as many final agreements have merely been a freeze on payments until formal completion ( the issue of the certificate ...
by Foggy
Mon Jun 01, 2020 3:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: Unhappy with provider
Replies: 2
Views: 114

Hi Maggie,

Sorry to hear that you are having these problems. Who are you with ?

You cannot change providers and, if you allow the IVA to fail, there is no guarantee that creditors will agree to another one.

Try not to let the attitude of one unsympathetic employee derail the IVA.
by Foggy
Mon Jun 01, 2020 2:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am a director & shareholder
Replies: 1
Views: 123

Ask your MD to explain why they think this --- could be something in your Articles. This is not within the usual remit of this site.
by Foggy
Mon Jun 01, 2020 12:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Final year options
Replies: 1
Views: 117

You are not in a joint IVA -- you are in one each, which is being treated as one for admin purposes. In all probability the £250 you have been paying is being split between IVA's and both are in arrears, rather than just his ! You really need to have a chat with your IP and sort out reduced payments...
by Foggy
Sun May 31, 2020 1:44 pm
Forum: a success story
Topic: April 2014 -April 2020
Replies: 1
Views: 181

Congratulations on reaching the end of your IVA ... Onwards and Upwards :-)
by Foggy
Sun May 31, 2020 9:38 am
Forum: Ask IVA Forum and Industry experts
Topic: Mobile phone contracts
Replies: 1
Views: 188

You are probably failing the credit check and each 'fail' is looked on with suspicion by other providers, making matters worse ( they don't actually see a rejection as such, but see the repeated searches with no resulting account ). First, I would suggest giving it a rest for 6 months to let the cre...
by Foggy
Sun May 31, 2020 8:21 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I cancel my IVA?
Replies: 2
Views: 257

As Kallis says, if you are already in the IVA, you can allow it to failby missing three payments. However, your creditors will then be able to resume collection / enforcement of the loans, if they so wish, having added back lost interest and charges and there is no guarantee that they will co-operat...
by Foggy
Sat May 30, 2020 2:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: Housekeeping claim in an IVA
Replies: 2
Views: 289

I only have 2015 figures, but they are still much the same: For a single adult the guide figures are £100 min. £222 max. with a guide of £169. For a couple £185 min. £354 max. with a guide of £287 and an adult multiplier of £75 min. £138 max. guide £105. These are monthly figures. So you would be lo...
by Foggy
Sat May 30, 2020 2:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage help
Replies: 7
Views: 301

Some High Street lenders would be able to help, and some non High Street can offer 'High St.' rates. A broker versed in the ways of lenders would know which lender to approach in the light of all of your circumstances. Both the brokers who have responded to this thread have experience in this field ...
by Foggy
Sat May 30, 2020 8:29 am
Forum: Ask IVA Forum and Industry experts
Topic: Key worker overtime
Replies: 2
Views: 372

The biggest flaw in the insolvency system is that those of us in an IVA have no recourse to mediation or resolution services when we are at odds with our IP! All we can do is follow the firms complaints procedures and escalate any unresolved matters to the IPs regulatory body. The regulatory bodies,...
by Foggy
Fri May 29, 2020 9:16 am
Forum: Ask IVA Forum and Industry experts
Topic: Salary insurance
Replies: 1
Views: 393

I would say, and this is purely a guess, that, as this payout is to make up the shortfall between the full time and the part time wage, it would be payable into the IVA up to an amount required to 'repay' the difference between the initially agreed payments and reduced payments actually made. Assumi...
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