Search found 28137 matches

Search found 28137 matches Page 1 of 1876
by Foggy
Wed Mar 20, 2019 6:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Forgotten IVA?
Replies: 9
Views: 186

Wed Mar 20, 2019 6:01 pmMinky17 wrote:
Didn't realise Noddle was a credit agency.. the IVA is on there still but not on Experian or Equifax.
Noddle is fed by a TransUnion Group company --- CallCredit, which is the actual CRA.
by Foggy
Wed Mar 20, 2019 5:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: *** F&F Offer ***
Replies: 7
Views: 175

It shouldn't be an issue from the point of view of the IVA -- they just need to see that the money isn't yours. If the IP has doubts about the source he might question further, but I haven't come across this happening before, as far as I can remember.
by Foggy
Wed Mar 20, 2019 4:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Forgotten IVA?
Replies: 9
Views: 186

That's what I'm unsure of, if I ring them up will they start up the IVA again? It's been 14 years and they've never chased me for any payments nor have any creditors. The debts will be statute barred by now, so collection cannot be enforced. However, statute barring does not mean the debts no longe...
by Foggy
Wed Mar 20, 2019 4:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: *** F&F Offer ***
Replies: 7
Views: 175

Okay foggy thank you, so can you explain how I go about the money how do I put the money towards to iva company as a f&f offer when the time comes. You make the F&F offer to your IP stating that the money is from a third party and will only be available for the purposes of the F&F. Your parents wil...
by Foggy
Wed Mar 20, 2019 2:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: How do I get POA on mothers bank account when I have IVA?
Replies: 5
Views: 166

As far as I am aware an IVA does not affect a POA application and Barclays have no power to refuse to co-operate. The account is not in your name, nor are the funds yours, but you are merely administering them on behalf of the account holder ---- if the Office of the Public Guardian is happy for you...
by Foggy
Wed Mar 20, 2019 2:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Forgotten IVA?
Replies: 9
Views: 186

If you are still on the Insolvency Register I am surprised the IVA isn't still showing at each of the three credit agencies ( have you checked them all ?) in the court information section of the report.
by Foggy
Wed Mar 20, 2019 12:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: *** F&F Offer ***
Replies: 7
Views: 175

First --DO NOT accept a cash gift of over £3k from your parents ! They must make the f&f payment direct from their own account. Considering that you are making around the minimum viable monthly payment I imagine that creditors would be pleased to get a lump sum offer. You have a year to save up £300...
by Foggy
Wed Mar 20, 2019 9:36 am
Forum: Ask IVA Forum and Industry experts
Topic: What happens if I can't remortgage at the end of my IVA?
Replies: 1
Views: 238

I would write, direct to the IP, asking for clarification regarding equity release in your case. I am afraid that the extra year, if it is imposed, will have to be added to the extra years dealing with PPI -- these are seperate issued and both have to be dealt with .... but, there WILL be an end poi...
by Foggy
Wed Mar 20, 2019 7:51 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA approved but quick question
Replies: 1
Views: 339

It is probably because they did not vote --- but they will still be bound by the outcome.
by Foggy
Wed Mar 20, 2019 7:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Switching IVA companies?
Replies: 2
Views: 252

Swift do seem to have their problems .... they are not conning you, but don't appear to be the brightest tool in the box. If they have not held the creditors meeting yet you should be able to cancel. Whether they charge you for work done depends on what you have agreed with them up to now in this re...
by Foggy
Wed Mar 20, 2019 7:40 am
Forum: Ask IVA Forum and Industry experts
Topic: Parents buying me a car during my iva?
Replies: 4
Views: 360

The V5 states and records the registered keeper . As long as your parents physically purchase the car, in their names, and retain ownership it is not your car, but is being kindly provided by your parents for your own use. The only issue could be if the running costs exceed those already agreed on t...
by Foggy
Tue Mar 19, 2019 9:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I still get a student loan?
Replies: 1
Views: 360

Not an easy one to answer. Normally student loans are agreed to by the IP ( You do need their permission for new debt over £500) on the basis that repayment will not be due until the earnings trigger is breached -- which is likely to be well after the IVA has finished. However, in your case, from wh...
by Foggy
Tue Mar 19, 2019 9:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is our IVA going to fail?
Replies: 5
Views: 444

hey, thanks for the advice/help. I just thought they would go through income/expenditure on a annual basis? bearing in mind that we sent everything they requested, to then all of a sudden after 6 years they say we have earned to much and need to pay it back, which we are doing but just don't know w...
by Foggy
Tue Mar 19, 2019 6:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: How will partners income be calculated on IVA review
Replies: 1
Views: 396

He can refuse to divulge his income, in which case they will assume he pays half of the expenses --- which is the best you will get unless his income is way below yours anyway. Be aware that extra income from you should be being shared with your creditors, so you only get to keep around half. I am a...
by Foggy
Tue Mar 19, 2019 6:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: Problems with IVA I am in with Creditfix
Replies: 2
Views: 417

You haven't had the IVA or procedure explained to you very well at all. You agree an amount to pay towards your debts and the creditors pay the fees, from those payments, to the IP. So, for you, there are no fees on top of your agreed payments. If you cancel the IVA you will not get back any money a...
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