Search found 24948 matches

Search found 24948 matches Page 1 of 1664
by Foggy
Thu Feb 22, 2018 7:42 am
Forum: Ask IVA Forum and Industry experts
Topic: Our IVA journey has recently ended in September 2017, worried about mortgage now
Replies: 4
Views: 218
Ryan and Shauns contact details can be found here: https://www.iva.co.uk/forum/memberlist.php?mode=team They are in yellow, towards the bottom. Click on their names and their profile details will be displayed. You would have more choice of lenders if you wait until the 6 year mark and the files have...
by Foggy
Thu Feb 22, 2018 7:39 am
Forum: Ask IVA Forum and Industry experts
Topic: Is it right that IVA can take 85% of house sale profit, if sold during IVA?
Replies: 4
Views: 239
They usually hold the 85% and deduct whatever amount is due to cover the fees as Luluj has described. The balance will be returned to you.
by Foggy
Wed Feb 21, 2018 8:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paid IVA for 6 years and now Lloyds are saying that my IVA has been rejected!
Replies: 6
Views: 431
What does it say on the Insolvency Register ? It says my details can not be found, what could that mean? That could mean that the IVA was terminated over three months ago. You really need to speak to Aperture and, depending on what they say, maybe take legal advice from a solicitor experienced in i...
by Foggy
Wed Feb 21, 2018 8:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Full and Final Settlement Offer
Replies: 5
Views: 412
Another thought, I’m going to be put on garden leave for 3 months, after this notice period my redundancy will be paid. If I find another job within the 3 months notice I’ll then forfeit the redundancy, meaning it won’t be paid into my IVA. It’s likely I won’t get another job on the same salary and...
by Foggy
Wed Feb 21, 2018 7:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Do we have to proceed with second charge mortgage for our IVA?
Replies: 22
Views: 2658
Just been transferred from knightsbridge Did you sign any variation agreement on transfer ? We signed a letter from cf giving permission for them to act on our behalf as far as I understood the only change was to the fee's that cf charge Hmmm -- did you keep a copy? I know a lot of these variations...
by Foggy
Wed Feb 21, 2018 7:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: I inherited my mothers home when she died last year
Replies: 2
Views: 369
You would probably have to release enough to cover the full original debt, plus fees and possible statutory interest.
by Foggy
Wed Feb 21, 2018 5:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: Are debt free direct even open anymore?
Replies: 2
Views: 376
DFD are no longer trading as far as I am aware and their active cases have been taken over by Aperture, as Kallis says.

https://apertureiva.com/dfd/
by Foggy
Wed Feb 21, 2018 5:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: Very pushing Stepchange !
Replies: 10
Views: 1070
Hello Agreed all firms do have charges but the OP was suggesting that SC and PP were being 'pushed' and bad in some way. I'm simply suggesting that it might be in the customers' best interest: 1) The charges may be lower with other providers And also: 2) SC can do a proper I+E and check whether an ...
by Foggy
Wed Feb 21, 2018 5:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Full and Final Settlement Offer
Replies: 5
Views: 412
Thanks for the reply. If I were able to find a family member willing to lend me £10k and I pay them back with my redundancy money is that possible? Do they look at your bank statements once the F&F settlement has been agreed? As long as the timing is right. They will look at statements as part ...
by Foggy
Wed Feb 21, 2018 5:10 pm
Forum: Complaints procedure
Topic: Aperture
Replies: 2
Views: 358
I am afraid 6 months is Aperture's usual timeframe! They did show signs of recovery, but have, again, over stretched themselve to the cost of service standards.
by Foggy
Wed Feb 21, 2018 4:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Full and Final Settlement Offer
Replies: 5
Views: 412
The amount seems to be a runner -- but, where is the money coming from ? If you are planning to use redundancy compensation, this is a no-go as the creditors are entitle to that anyway. If a third party gift then you will need to get your skates on as, as soon as you know the redundancy is happening...
by Foggy
Wed Feb 21, 2018 2:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: How do I remove an IVA from my credit report?
Replies: 4
Views: 432
You cannot remove it -- it will fall off after 6 years from the date of the initial meeting.
by Foggy
Wed Feb 21, 2018 2:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Rules on overtime whilst in an IVA
Replies: 1
Views: 400
Have you been declaring the overtime as extra income each month ? If not you possibly have arrears to be made up, which they might have added to your payment. Permanent pay rises should add 50% of the rise to your payment. Overtime is dealt with each month. You need to have a chat with your IP regar...
by Foggy
Wed Feb 21, 2018 2:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can IVA affect a British citizenship application?
Replies: 1
Views: 385
g750 wrote:
Hi sir
Can IVA affect a british citizenship application?


Financial matters are taken into consideration but do not always harm an application. I would suggest a word with the Immigration Service, perhaps on an anonymous basis.
Search found 24948 matches Page 1 of 1664