Search found 27106 matches

Search found 27106 matches Page 1 of 1808
by Foggy
Sun Oct 21, 2018 9:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Council tax court summons
Replies: 6
Views: 39
This IS standard procedure now (although I don't agree with making problems where there weren't any before) and, it appears, some councils have yet to catch on. You are probably caught up in an automatic system, in error. My local council simply writes off the CT debt for the current year. If it act...
by Foggy
Sun Oct 21, 2018 8:01 am
Forum: Ask IVA Forum and Industry experts
Topic: Small claims court
Replies: 4
Views: 68
I would imagine it would depend on the circumstances of the case, but, in all likelyhood, yes.
by Foggy
Sat Oct 20, 2018 4:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: Advice please
Replies: 3
Views: 305
Have a word with Ryan and / or Shaun, Bex.
by Foggy
Sat Oct 20, 2018 1:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Settling my IVA
Replies: 1
Views: 349
Redundancy compensation is payable into the IVA, apart from the equivalent of 6 months salary which you will be allowed to keep and with which you will be expected to live and pay the IVA as normal for those 6 months while you seek alternative employment. You will not be permitted to repay loans fro...
by Foggy
Sat Oct 20, 2018 11:28 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors meeting adjourned
Replies: 4
Views: 597
kallis3 wrote:
Is this a new IVA? Looking at earlier threads you were with Freeman Jones.


I think this is a new application --- the husband's IVA was with FJ, but was terminated.
by Foggy
Sat Oct 20, 2018 8:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I get an iva having just bought a house?
Replies: 2
Views: 414
Much would depend on the exact timing and time-scale of events, but the creditors might not look kindly on things --- on the other hand, now that you are a house owner, they stand to get back more than they would have done otherwise, either by way of equity release in the final stages of the IVA or ...
by Foggy
Fri Oct 19, 2018 8:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Terminating My IVA Part 2
Replies: 2
Views: 627
The FO has no interest in, or jurisdiction over, IVA's. You need to make a formal complaint to the IP / Firm which you cn then escalate to their regulatory body via the Government Gateway here: https://www.gov.uk/complain-about-insolvency-practitioner Unfortunately the regulators will not intervene ...
by Foggy
Fri Oct 19, 2018 8:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors meeting adjourned
Replies: 4
Views: 597
Are you with Creditfix, by any chance ? If so, they often pull this and provide a variety of reasons, but usually come through in the end.
by Foggy
Fri Oct 19, 2018 10:58 am
Forum: Ask IVA Forum and Industry experts
Topic: Equity calculations with Aperture
Replies: 14
Views: 1337
Hi this is their method of calculations Valuation £180,000 Less mortgage £147,023 Less selling costs 3.5% £6300 Equity available £26,676 Less partner share £13,388 Available equity £13,338 Less 15% £2000 85% of client interest £11,337 Clearly different to the method used when I took out the IVA wit...
by Foggy
Fri Oct 19, 2018 9:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Affordability Passport
Replies: 8
Views: 982
CF are well known for doing this. You do not have to do it. do you know if it's ever caused trouble for people? I can't find any reviews for this programme online I have not heard of any problems caused but with the amount of computerised databases being unintentionally shared these days third part...
by Foggy
Fri Oct 19, 2018 9:40 am
Forum: Ask IVA Forum and Industry experts
Topic: Mis-selling of mortgage/tax code
Replies: 7
Views: 1001
Im no expert in these things but because PPi deadline is looming, are they looking into other avenues of claiming additional funds to pay into IVA such as mortgage ppi and medical claims??? just a thought as i imagine lots of extra has come from PPI over the years. I agree -- but there has to be a ...
by Foggy
Fri Oct 19, 2018 9:30 am
Forum: Ask IVA Forum and Industry experts
Topic: Equity calculations with Aperture
Replies: 14
Views: 1337
Aperture are beyond reprehensible in using their own, novel, interpretations of the equity release clauses ! I admit that the clauses can be read their way, but, as they well know, that was not the intention when they were (albeit badly) drafted. In any event I believe, for the avoidance of such dou...
by Foggy
Thu Oct 18, 2018 6:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: No contact from IVA company
Replies: 32
Views: 1903
Yes, the generally accepted method is Open Market Value x 85% less outstanding mortgage and secured lending = available equity
by Foggy
Thu Oct 18, 2018 6:55 pm
Forum: Disputes and IVA Mediation
Topic: sale of property
Replies: 11
Views: 969
They are still operating as far as I am aware -- just offloaded the IVA side of things. Try their online contact form and address it to David Mond. His email used to be david.mond "at" cleardebt "dot " co "dot" uk Thanks for that Foggy i have emailed David Mond and had...
by Foggy
Thu Oct 18, 2018 5:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: RX1 lifted?
Replies: 2
Views: 933
If it is still on the title it will show in the title register. It will take a couple of weeks to filter through I would imagine.
Search found 27106 matches Page 1 of 1808