Search found 27729 matches

Search found 27729 matches Page 1 of 1849
by Foggy
Tue Jan 22, 2019 7:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: Last review with Payplan
Replies: 2
Views: 183
My reply to your previous post on this topic was: "Assuming you have the usual clauses (and all will be revealed with a good read of your paperwork) a permanent pay rise is not taken into account until the annual review follwing the rise and any increase added to the regular payments following ...
by Foggy
Tue Jan 22, 2019 2:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I sell my house whilst waiting for completion certificate?
Replies: 9
Views: 2267
I am in two minds about a complaint -- they do deserve one, but it could be counter-productive at this stage. They could delay the completion process until the complaint is dealt with !
by Foggy
Tue Jan 22, 2019 2:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Chairman's report following F&F
Replies: 3
Views: 278
A week isn't an undue delay and, as long as Sprout aren't getting anxious nor should you. You could shorten the wait by asking McCD if they would email a copy before posting the hard copy.
by Foggy
Tue Jan 22, 2019 11:07 am
Forum: Ask IVA Forum and Industry experts
Topic: Additional debt?
Replies: 7
Views: 486
Have a look at the debts listed in the IVA and see if any match by amount, or any other details. Then ask the IP, addressing your concerns, stating that you do not recognise this debt as yours and ask what checks they have carried out to verify the debt.
by Foggy
Tue Jan 22, 2019 7:53 am
Forum: Ask IVA Forum and Industry experts
Topic: Payplan annual review
Replies: 2
Views: 481
If they set up the arrangement on an average, they should use the same method in the review -- but you will need to keep an eye on them and challenge where you think they are straying.
by Foggy
Tue Jan 22, 2019 7:51 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I sell my house whilst waiting for completion certificate?
Replies: 9
Views: 2267
What they are saying is that they will not close the case until everything, including the refund, has been tied up. If you forego the refund they can "close early". There is an element of snake oil logic about it , but they are just being lazy. If, as they do, they can deal with PPI paymen...
by Foggy
Tue Jan 22, 2019 7:48 am
Forum: Ask IVA Forum and Industry experts
Topic: Additional debt?
Replies: 7
Views: 486
There is no reason why you should not investigate this now -- you may well get the extra 12 months rescinded !
by Foggy
Mon Jan 21, 2019 3:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: How can I find my IVA closure paperwork
Replies: 2
Views: 553
Michael Reeves is now with Fortis:



Name
Mr MICHAEL LESLIE REEVES
Company
Fortis Insolvency Ltd
Address
Second Floor, 683-693 Wilmslow Road, MANCHESTER, M20 6RE
Telephone
0161 694 9955
Fax
IP Number
7882
Licensing Body
IPA
Email
mike@fortisinsolvency.co.uk
by Foggy
Mon Jan 21, 2019 2:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: financial probity screening
Replies: 2
Views: 563
The problem is with that word "ever" --- the answer is, of course, yes ! As you say, it does not show on the credit files or register -- but I am sceptical about archived records lurking somewhere !! First your own moral compass will decide whether you say yes or no -- then it will fall to...
by Foggy
Mon Jan 21, 2019 7:57 am
Forum: IVA approved!
Topic: IVA Approved with CF
Replies: 3
Views: 754
You should not have any significant surplus to witter away, if your I&E has been correctly handled. Reviews vary, even within firms, according to individual circumstances, but typically they go back three months with statements. However CF use third party access to your bank account, if you agre...
by Foggy
Mon Jan 21, 2019 7:53 am
Forum: Ask IVA Forum and Industry experts
Topic: DMP or IVA?
Replies: 2
Views: 650
It is impossible to say without looking at your full circumstances -- a chat with a few providers will give you a better idea. A lot depends on the amount you owe and the amount you can afford to pay. In an IVA you are time limited, interest is frozen and anything unpaid at the end is written off --...
by Foggy
Sun Jan 20, 2019 2:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: Selling my car
Replies: 6
Views: 954
If you sell on eBay, everything you make is your own. Surely a car comes under this category. I must admit the assets thing of what you can sell and keep confuses me a little? If it is listed as an asset of the IVA, you keep it in your possession, but if you dispose of it the proceeds belong to the...
by Foggy
Sun Jan 20, 2019 11:20 am
Forum: Ask IVA Forum and Industry experts
Topic: Selling my car
Replies: 6
Views: 954
If you sell on eBay, everything you make is your own. Surely a car comes under this category. I must admit the assets thing of what you can sell and keep confuses me a little? If it is listed as an asset of the IVA, you keep it in your possession, but if you dispose of it the proceeds belong to the...
by Foggy
Sun Jan 20, 2019 10:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Should I still be paying for loan if she is in an IVA?
Replies: 9
Views: 1600
If this loan is in her name only and is in her IVA, then you should not be paying any of it. Are you paying "your half" as currently agreed direct to her ?? If so this could open a can of worms as she is actually making no direct payment of this loan herself and could be using your payment...
by Foggy
Sun Jan 20, 2019 10:37 am
Forum: Ask IVA Forum and Industry experts
Topic: Changing jobs in an iva?
Replies: 2
Views: 948
It would make things a bit more complicated, but nothing insurmountable and your income would have to be monitored more closely to ensure you pay the correct amount each month. It is unlikely that you would be allowed to reduce the current payment by much, if your earnings dipped, so be mindful that...
Search found 27729 matches Page 1 of 1849