Search found 26311 matches

Search found 26311 matches Page 1 of 1755
by Foggy
Fri Jul 20, 2018 6:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: PPI claims post IVA completion
Replies: 3
Views: 258
Thank you for your reply. Yeah I was a little bit shocked that they emailed to say they have posted the letter today so fingers crossed it arrives. Surprised they didn’t ask for me to provide any PPI details as I know a friend couldn’t get their completion certificate unless they signed someone to ...
by Foggy
Fri Jul 20, 2018 3:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: PPI claims post IVA completion
Replies: 3
Views: 258
The PPI belongs to the IVA Trust, even in a closed arrangement. However, some IP's are simply not interested and some will only deal with it if the sum is large enough to justify the cost of digging out the old records and re-contacting the creditors, with all the hassle that entails. Of course a fe...
by Foggy
Fri Jul 20, 2018 12:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: 3 years after IVA completion
Replies: 3
Views: 301
Yes this is correct. PPI still belongs to the IVA and your creditors. So far we are unaware of what action could or would be taken for non-compliance but, in theory, they could apply to the courts for the IVA to be cancelled. I would engage with Equity in Finance and first ask them to confirm and pr...
by Foggy
Fri Jul 20, 2018 11:39 am
Forum: Ask IVA Forum and Industry experts
Topic: Does an IVA count as a CCJ?
Replies: 2
Views: 311
I have applied to rent a house and they are doing credit checks on me they said that their only concern is a CCJ I do have an IVA and was wondering if it counts as a CCJ or not An IVA is not a CCJ but appears in the same section on a credit report. You might need to explain to them what an IVA is a...
by Foggy
Fri Jul 20, 2018 8:24 am
Forum: Ask IVA Forum and Industry experts
Topic: How do I find out who my IVA was with
Replies: 1
Views: 317
The Insolvency Service may have archived records or bank statements from around the time might show up a likely payee.

Other than that -- are there any details you can recall which might give us a clue ?
by Foggy
Fri Jul 20, 2018 8:22 am
Forum: Complaints procedure
Topic: Aperture
Replies: 5
Views: 3296
My last payment was January 2016. I have sent 5 emails and not had one response from them . I have called and got cut off . Does this normally happen to people who have finished paying their iva ? Is there anyone on this forum using them and still in contact with them I’m thinking they have closed ...
by Foggy
Thu Jul 19, 2018 8:35 pm
Forum: Watch tv.iva.co.uk the dedicated IVA TV Channel
Topic: Mortgage debt query
Replies: 1
Views: 437
The solicitor will be dealing with this and will produce an account in due course. These things take time to filter through the system. Once it has gone through the lenders systems it will show as closed right away on credit searches the lenders make, but will not show on the online versions for up ...
by Foggy
Thu Jul 19, 2018 7:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Do I need to keep receipts?
Replies: 3
Views: 512
IPs do not have the time nor inclination to see how you spend your money. They are only interested in income and the big stuff for agreed expenses (if it changes).
by Foggy
Thu Jul 19, 2018 4:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: Letters
Replies: 5
Views: 519
I Have had another letter today saying I have been awarded nearly 3700 in Ppi compensation.... that must be nearly 16k and there is at least 1 more claim outstanding .... amazing how much we all paid! Indeed -- I don't doubt that some of us would not have needed an IVA if the PPI hadn't been lumped...
by Foggy
Thu Jul 19, 2018 2:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can an insurance company find out about my IVA?
Replies: 5
Views: 653
I would like to agree with Kallis -- but I have always had a nagging feeling that there are records / archives available to the chosen few which go beyond the statutory records. The fuel for this nagging doubt ? : that claims companies going after PPI claim to be able to go back 35 years, without pa...
by Foggy
Thu Jul 19, 2018 12:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: Student loan
Replies: 2
Views: 682
If I am in an IVA, and have been awarded a loan from student finance to start in September, will that be classed as income, and will some of it have to be committed to the IVA? I will still have the part time job that my original IVA payment is based on. Most IP's will offset this against what it i...
by Foggy
Thu Jul 19, 2018 11:17 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F help please
Replies: 4
Views: 5374
GoonerDad wrote:
Do Creditfix and the creditors gain out of this deadlock, part of me wonders if it is by design?



Not if payments have been suspended by prior agreement or if the offer includes a condition that payments made after a given date will be deducted from the lump sum.
by Foggy
Thu Jul 19, 2018 11:15 am
Forum: full and final settlements
Topic: Do you still pay every month while you wait for IP to sort F&F
Replies: 1
Views: 572
Do you still pay every month while you wait for IP to sort F&F? Do they stop taking the card payment? I would put money to one side if so. Depends on if you have agreed a payment break with your IP. If not, it is usual for payments to continue and they will not be deducted from the F&F lump...
by Foggy
Thu Jul 19, 2018 9:30 am
Forum: Ask IVA Forum and Industry experts
Topic: Payday loans while in an IVA
Replies: 7
Views: 742
garfield021 wrote:
So It could Ip decide to go for bankcrupcy straight away?


He could -- but it depends on the actual terms of your IVA and the creditors instructions.
by Foggy
Thu Jul 19, 2018 9:28 am
Forum: Ask IVA Forum and Industry experts
Topic: And now the end is near
Replies: 7
Views: 5391
bridgey wrote:
The postman just delivered the completion certificate!!

We’re done!



Great news !!

Onward and Upward :-)
Search found 26311 matches Page 1 of 1755