Search found 27477 matches

Search found 27477 matches Page 1 of 1832
by Foggy
Wed Dec 12, 2018 9:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA and rent
Replies: 3
Views: 184
They could do --- as well as ask for the "missing" £100 per month back. It is difficult to say as what happens will depend on what they discover / if they discover and when they discover. Also depends on how it was actually presented to them / how you have accounted for the £100 monthly in...
by Foggy
Wed Dec 12, 2018 6:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors meeting
Replies: 3
Views: 158
I am afraid that this lax attitude to customer service is the norm for many firms these days, but Aperture are up there on the leaders board ! You do need to ride them to get anything out of them .
by Foggy
Wed Dec 12, 2018 6:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA and rent
Replies: 3
Views: 184
Yes they will possibly query it and no, it is not allowed. If the rent IS £400 that is what you should have declared and you have understated your disposable income. Thisd is compounded by the fact that you can still live "comfortably" while effectively saving £100 per month. Your pledge, ...
by Foggy
Wed Dec 12, 2018 4:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cleaning up my Credit Report
Replies: 8
Views: 240
The IVA providers should be sending completion certificates to the Insolvency Service, unless things have changed. Those that aren't are not completing their duties and are simply being lazy. I shall make enquiries ........... NTF = nightmare! I completed in August and I'm still on the insolvency r...
by Foggy
Wed Dec 12, 2018 2:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cleaning up my Credit Report
Replies: 8
Views: 240
The IVA providers should be sending completion certificates to the Insolvency Service, unless things have changed. Those that aren't are not completing their duties and are simply being lazy. I shall make enquiries ...........
by Foggy
Wed Dec 12, 2018 1:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: The point of a final review?
Replies: 2
Views: 259
The final review has to be conducted as an annual review is agreed to take place in the proposal --- and you are in the IVA until such time as the completion certificate is issued ... NOT until you make the last payment. Also it is there to check on your income for the final 12 months to ensure that...
by Foggy
Wed Dec 12, 2018 10:27 am
Forum: Ask IVA Forum and Industry experts
Topic: Help For A Creditor
Replies: 19
Views: 1372
I spoke to a solicitor today who told me to speak to the IP and ask that the online meeting be made a physical meeting. As I am owed more than 25% of the debt, I am entitled to do this. Spoke to the dragon in the IP office who yelled down the phone at me and told me this was not possible and how da...
by Foggy
Wed Dec 12, 2018 9:24 am
Forum: Ask IVA Forum and Industry experts
Topic: Zopa and IVA's
Replies: 3
Views: 363
Hopefully your IP can sway enough of your other creditors to outvote Zopa. If you are rejected you could try to propose a DMP, but it will depend on your circumstances as to what other options might be worthwhile looking at: Are you a homeowner? If so, what sort of equity is there? How much are the ...
by Foggy
Wed Dec 12, 2018 9:20 am
Forum: Ask IVA Forum and Industry experts
Topic: Everyday Loans and my IVA proposal
Replies: 2
Views: 353
With only 14% of the voting power they do not hold enough sway if the other creditors can be convinced to vote ... and vote "Yes". Let's hope Payplan will put in the work where your other firm, maybe, didn't.
by Foggy
Wed Dec 12, 2018 7:45 am
Forum: Ask IVA Forum and Industry experts
Topic: I paid my IVA over 5 years but my debt still shows on my report
Replies: 3
Views: 337
Your credit record will be shot for 6 years from the start date of the IVA, and 6 years from the date of each default (which should be the start of the IVA also). Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record
by Foggy
Tue Dec 11, 2018 6:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: PPI
Replies: 10
Views: 694
Pigger479 wrote:
kallis3 wrote:
I do wonder - is it worth it for that amount?


My girlfriend has cashed it before i had chance to tell her not to! Will they be ok if I make payment once it’s cashed?!


You will probably now have to evidence the amount you send them --- the covering letter might do if it refers to the amount.
by Foggy
Tue Dec 11, 2018 2:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: PPI
Replies: 10
Views: 694
Although made out to you, your client account at your providers will be in your name, so the cheque could be paid into that account.
by Foggy
Tue Dec 11, 2018 8:50 am
Forum: Ask IVA Forum and Industry experts
Topic: Compensation payment
Replies: 4
Views: 802
Hi, my wife is expecting a compensation award from the CICA for sexual assault but we are in an IVA. Do you think this will have to be paid towards our arrangements? Cheers. Hi, yes we are both in IVA for joint debt. Debt we actually got into because my wife couldn’t work after the trauma. Silly qu...
by Foggy
Tue Dec 11, 2018 8:46 am
Forum: Ask IVA Forum and Industry experts
Topic: PPI
Replies: 10
Views: 694
Most IP's treat PPI refunds as an asset, rather than a windfall, so you don't get the £500 trigger. However, for £69 the IP might well leave it with you. You need to ask your IP.
by Foggy
Mon Dec 10, 2018 8:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: Compensation payment
Replies: 4
Views: 802
Are you both in IVA's ? If so the IP will take an interest --- there is no specific mention of compensation in IVA terms, but, under bankruptcy, compensation specifically for pain and suffering is allowed to be kept and most IP's follow this practice in an IVA. Only your own IP will be able to say w...
Search found 27477 matches Page 1 of 1832