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Search found 28939 matches Page 1 of 1930
by Foggy
Thu Jul 18, 2019 4:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: Why are Aperture still taking my money when IVA should have finished in January?
Replies: 5
Views: 108

Thu Jul 18, 2019 4:16 pmkallis3 wrote:
If she's not a home owner then NRAM wouldn't be a creditor?

Agree that you should contact them asap.
Good point Kallis. I was just expanding on reasons for the benefit of other people who might be reading the post and in a simialr situation.
by Foggy
Thu Jul 18, 2019 3:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Why are Aperture still taking my money when IVA should have finished in January?
Replies: 5
Views: 108

Another thought has occurred to me --- do you have a copy of your Chairman's Report ( the records of the initial meeting during which the IVA was accepted) ? Sometimes what is proposed as a 5 year term gets extended by creditors into a 6 year term at the start, either because the dividend is low or ...
by Foggy
Thu Jul 18, 2019 3:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Debt included in completed IVA but they are still chasing me
Replies: 11
Views: 180

Hopefully the OP can sort this mis-understanding out in a calm and balanced manner before all cannons are a'blazing !
by Foggy
Thu Jul 18, 2019 3:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Why are Aperture still taking my money when IVA should have finished in January?
Replies: 5
Views: 108

First -- have you contacted them ?? If there is a problem they should be told and given the chance to put it right or explain it. Second -- are you a homeowner ? Has the equity release clause kicked in ? If you simply stop making paments without sorting this out you could risk failing the whole arra...
by Foggy
Thu Jul 18, 2019 10:09 am
Forum: Ask IVA Forum and Industry experts
Topic: Debt included in completed IVA but they are still chasing me
Replies: 11
Views: 180

These demands are usually issued in error and sometimes as a try on ! Just inform them that the debt was inclusded in an IVA which has now concluded --- they might want to see a copy of your completion certificate and final report. They cannot actually pursue you for any money.
by Foggy
Thu Jul 18, 2019 8:10 am
Forum: Ask IVA Forum and Industry experts
Topic: Will BMW take my car now I have an IVA?
Replies: 1
Views: 141

Most PCP agreements and the like have insolvency clauses allowing for repossession in the event of insolvency. However, many firms do not activate such clauses as long as payments continue. Your issue is more likely going to be your ability to re-finance when the current PCP term expires, which coul...
by Foggy
Thu Jul 18, 2019 6:48 am
Forum: Ask IVA Forum and Industry experts
Topic: Will a lump sum offer work?
Replies: 19
Views: 3680

First -- did you adress the letter you sent to the Data Controller at Tesco ? If you did then it is a matter for the ICO to take up for you as mentioned in my article: "If they refuse to cooperate complain to the ICO, attaching copies of correspondence to and from the creditor and proof of posting....
by Foggy
Thu Jul 18, 2019 6:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Help to Buy purchase while in an IVA
Replies: 1
Views: 119

Not on the face of it -- but, if you have enough spare cash to put away a useful ISA contribution your I&E has not been calculated correctly and you could see your payments to the IVA increase if and when the IP realises.
by Foggy
Wed Jul 17, 2019 12:05 pm
Forum: full and final settlements
Topic: Advice on making F&F offer
Replies: 6
Views: 2786

Wed Jul 17, 2019 11:19 amMarmite wrote:
Update

Full and Final offer accepted. Couldn't have done this without the advice and support here. Thank you and good luck to everyone.
Excellent news ! Little bit of dust to settle, but you no longer have this particular weight around your shoulders.
Onward and upward.
by Foggy
Wed Jul 17, 2019 12:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Worried that my iva might be rejected
Replies: 33
Views: 3541

Approved. No modifications. £351 a month. Gobsmacked. Over joyed. Can’t describe how happy I am at being insolvent. First payment made. No to adapt to life on a budget. Thank you all for listening to my woes. Congratulations !!! Odd, isn't it ...being happy over such a thing !! But it is the start ...
by Foggy
Wed Jul 17, 2019 6:58 am
Forum: Ask IVA Forum and Industry experts
Topic: Saving money during an iva??
Replies: 4
Views: 308

He was being an idiot! Of course you cannot save a great deal, but you CAN save .... your halves of overtime and bonus payments, for instance. It is financially responsible to save when you can and they should be encouraging it.

Which firm are you with ?
by Foggy
Wed Jul 17, 2019 6:53 am
Forum: Ask IVA Forum and Industry experts
Topic: Do I need an annual IVA review if it is completing in September?
Replies: 1
Views: 241

This will be, no doubt, used as your final review. They will concentrate in the past 12 months income, rather than worry about the next 12 months expenditure and projected income. This is to make sure that they haven't missed anything like overtime or bonus payments.
by Foggy
Tue Jul 16, 2019 5:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: After life
Replies: 4
Views: 313

Well Done !
by Foggy
Tue Jul 16, 2019 4:38 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F - what should I offer?
Replies: 5
Views: 269

As you surmise -- add a further 12 months to the offer figure.
by Foggy
Tue Jul 16, 2019 4:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditfix yearly statements
Replies: 2
Views: 263

You should get one after each annual review --- I think CF are running late at the moment.
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