Search found 25558 matches

Search found 25558 matches Page 1 of 1704
by Foggy
Fri Apr 20, 2018 6:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Taking money from pension during IVA
Replies: 2
Views: 107
Unless pensions and proceeds have been specifically excluded any drawdown while in the IVA will be due to be paid to your creditors.
by Foggy
Fri Apr 20, 2018 5:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: Working in finance while in an iva
Replies: 20
Views: 3084
Congratulations ... and well done ! :-)
by Foggy
Fri Apr 20, 2018 2:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA- want a mortgage
Replies: 4
Views: 143
The IVA has to come off the credit files. I would suggest having a word with Ryan and / or Shaun, who are both whole of market brokers with experience of adverse credit applications. Even with the IVA off of your credit records some lenders will ask if you have ever been in an IVA, or have you been...
by Foggy
Fri Apr 20, 2018 12:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA- want a mortgage
Replies: 4
Views: 143
The IVA has to come off the credit files. I would suggest having a word with Ryan and / or Shaun, who are both whole of market brokers with experience of adverse credit applications. Even with the IVA off of your credit records some lenders will ask if you have ever been in an IVA, or have you been ...
by Foggy
Fri Apr 20, 2018 10:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Bankruptcy and self employed
Replies: 7
Views: 510
Thank you, Lisa .
by Foggy
Fri Apr 20, 2018 10:37 am
Forum: Ask IVA Forum and Industry experts
Topic: Replacement copy of IVA completion certificate
Replies: 3
Views: 201
The only possibility -- and it is a long shot after 10 years, is that the courts or the Insolvency Service has retained a copy.
by Foggy
Fri Apr 20, 2018 10:34 am
Forum: Ask IVA Forum and Industry experts
Topic: I have no idea how much I need to be asking to remortgage for
Replies: 30
Views: 838
I just assumed what I had was a standard agreement as - to me - it makes complete sense if you couldn’t raise any equity in the fifth year that they would extend it to six :lol: They only extend if there was equity there to raise (over £5k) and you were unable to raise it. If there is no equity (le...
by Foggy
Fri Apr 20, 2018 6:54 am
Forum: IVA approved!
Topic: Hey
Replies: 8
Views: 324
"£2000 more than you owe on your IVA"? Do you mean £2000 more than the originally agreed payments ? Or £2000 more than your original debt ? As Luluj says -- you always owe the full original debt, plus fees and possible statutory interest during the IVA. It is only when you get to the end t...
by Foggy
Fri Apr 20, 2018 6:49 am
Forum: money saving tips
Topic: Now TV
Replies: 2
Views: 231
Well done. This is the trick -- get bargain hunting and coupon clipping -- they are out there! :-)
by Foggy
Thu Apr 19, 2018 6:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bankruptcy and self employed
Replies: 7
Views: 510
Good news. Please let us know how you get on.
by Foggy
Thu Apr 19, 2018 3:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: I have no idea how much I need to be asking to remortgage for
Replies: 30
Views: 838
katherine682 wrote:
Foggy wrote:
Out of curiosity -- does your equity release clause have a £5k de minimis ?


Yep it does.


Are you happy that there is more than £5k equity ? If there is less then the extra 12 months wouldn't apply (assuming you have the standard clauses).
by Foggy
Thu Apr 19, 2018 3:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help. Companies saying I owe debt
Replies: 4
Views: 474
It is not up to you to prove you don't owe the money -- it is up to them to prove that you do! Tell your IP that you do not owe these companies and what evidence, if any, can they produce.
by Foggy
Thu Apr 19, 2018 2:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: I have no idea how much I need to be asking to remortgage for
Replies: 30
Views: 838
Out of curiosity -- does your equity release clause have a £5k de minimis ?
by Foggy
Thu Apr 19, 2018 11:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Beginning IVA journey, very scared!!
Replies: 19
Views: 3072
Thanks so much Allywally..like you no one else knows our situation..I’m literally trying to paste a smile on my face in work etc while hyperventilating under the surface! Especially hard while listening to a colleague talking about spending £500 on a meal out (one meal!!) for her and her hubbie at ...
Search found 25558 matches Page 1 of 1704