Search found 24483 matches

Search found 24483 matches Page 1 of 1633
by Foggy
Sat Jan 20, 2018 8:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hi,This is my first posting and I have a query about bank accounts prior to starting an IVA
Replies: 37
Views: 8155
Now that you have got your completion certificate your money is your own, apart from any PPI that might be discovered. Well done on finishing.
by Foggy
Sat Jan 20, 2018 8:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: I need a phone as i don't currently have one at all
Replies: 8
Views: 322
In relation to this, can I ask the experts: some phone companies now do the phone contract as two parts, so much for minutes, so much for the device and you are technically signed into a loan. Some phones are £500+ which leads me to the credit limit query, is this acceptable? My contract is with a ...
by Foggy
Sat Jan 20, 2018 6:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Fiancé going through IVA and forcing me to sign responsibility for part of debt
Replies: 11
Views: 329
The IP will need to see and understand any paperwork associated with the debt --- so will need details of the original debt and the documents signed by his sister and then by you. I doubt the IP would be happy with that. Manipulation could be revealed by the completely unorthodox situation --- peop...
by Foggy
Sat Jan 20, 2018 3:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: Fiancé going through IVA and forcing me to sign responsibility for part of debt
Replies: 11
Views: 329
The IP will need to see and understand any paperwork associated with the debt --- so will need details of the original debt and the documents signed by his sister and then by you. I doubt the IP would be happy with that. Manipulation could be revealed by the completely unorthodox situation --- peopl...
by Foggy
Sat Jan 20, 2018 2:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Full and final queries
Replies: 6
Views: 5068
yeah the offer of the full and final offer was in august 2017 so to me that's final meaning no more payments, im glad iv got the email to show no payments needed until variation sorted. now I have to wait upto 30 days for outcome. if the creditors say no could we offer higher amount or will they di...
by Foggy
Sat Jan 20, 2018 2:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: Fiancé going through IVA and forcing me to sign responsibility for part of debt
Replies: 11
Views: 329
Anything you sign would be null and void if you ended up taking it to court .... he has denied you legal advice and is bullying you into signing a, frankly, fraudulent or, at best, shonky, document. He cannot blame you in any way for his past financial mess. What it seems he is trtying to do is to g...
by Foggy
Sat Jan 20, 2018 1:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Full and final queries
Replies: 6
Views: 5068
Hmmm ... it is standard that payments that were supposed to be made during a payment break are tacked back on at the end as arrears. In my case I suspended payments while my F&F was on the table and this was never brought up -- however, my F&F was based on payments made to date with no lump ...
by Foggy
Sat Jan 20, 2018 1:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: My F&F offer from third party has been accepted. Third party lives abroad.
Replies: 5
Views: 287
I agree that it should go to the Insolvency Firm direct. International banking is as regulated as onshore transactions and there should be no problem. If the funds were to go to your account first they could be deemed to be a windfall, despite their purpose, and be due to the creditors anyway withou...
by Foggy
Sat Jan 20, 2018 1:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: What do I do with PPI as DFD no longer exists?
Replies: 2
Views: 280
This will be dealt with by Aperture, who took DFD on as a going concern. Any 12 month limit on paperwork you signed is immaterial as PPI is an asset of the arrangement in perpetuity, having existed during the IVA.
by Foggy
Sat Jan 20, 2018 1:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: Payplan Certificate of Completion current timescales?
Replies: 3
Views: 524
Jayne, as a forum we have tried to petition for regulation on the issue of completion certificates, but the petition was deemed outside of Government business. I have also petitioned for a body to be set up which has the power / authority to mediate between debtors and IP and resolve issues as, curr...
by Foggy
Sat Jan 20, 2018 11:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Fiancé going through IVA and forcing me to sign responsibility for part of debt
Replies: 11
Views: 329
He cannot shift responsibility for debt in his name on to you --- and you say he says the debt was repaid ... if so there is nothing to take responsibility for.
by Foggy
Sat Jan 20, 2018 11:43 am
Forum: Ask IVA Forum and Industry experts
Topic: I need a phone as i don't currently have one at all
Replies: 8
Views: 322
You should be OK getting a phone contract, but I doubt it will be added to your expenses as already agreed -- so will have to be funded from your current allowances, or, as you say, your share of overtime ( I assume you are correctly advising your IP as and when you get overtime and paying over the ...
by Foggy
Sat Jan 20, 2018 10:52 am
Forum: Complaints procedure
Topic: F&F Complaints Proceedure
Replies: 3
Views: 263
You are far from alone : paying-off-iva-early-t84267
by Foggy
Sat Jan 20, 2018 10:50 am
Forum: Complaints procedure
Topic: F&F Complaints Proceedure
Replies: 3
Views: 263
Payplan appear to be impervious to complaints, but you need to follow their internal complaints procedure, which should be detailed on their website. You can then escalate this to their regulators via the Government Gateway at : https://www.gov.uk/complain-about-insol ... actitioner
by Foggy
Sat Jan 20, 2018 10:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Can husband take personal loan to settle my IVA? IVA is only in my name.
Replies: 3
Views: 333
Not sure what happened there but I had to re register. Yes his accounts are in order, my IP office is closed today so just wanted to find out if it’s possible before I contact them to discuss. Would he have to take the loan out and have available in his bank account prior to acceptance? Is it diffi...
Search found 24483 matches Page 1 of 1633