Search found 25564 matches

Search found 25564 matches Page 1 of 1705
by Foggy
Sat Apr 21, 2018 2:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: Dfd to apiture near a year still no completion certificate
Replies: 5
Views: 124
The letter I was emailed starts like this. Please find enclosed a copy of my final report pursuant to rule 8.31 of the Insolvency (England and Wales) Rules 2016. It's signed by a supervisor not a ip so are we even further back than I've been told. The IP is known as the Supervisor (with a capital &...
by Foggy
Sat Apr 21, 2018 11:20 am
Forum: Ask IVA Forum and Industry experts
Topic: F@F Questions.
Replies: 1
Views: 69
1) Will it matter that the person who is gifting the money to me has taken a lian to get it? She has an excellent credit rating and will get it at a prime rate over 3 years. It shouldn't do -- but some creditors do not like F&F offers to be loan based. 2) At what point will the IP wNt to see pro...
by Foggy
Sat Apr 21, 2018 10:10 am
Forum: Ask IVA Forum and Industry experts
Topic: Dfd to apiture near a year still no completion certificate
Replies: 5
Views: 124
The closure papers should have a paragraph similar to this one somewhere: "I, Mark Allen of Grant Thornton, Water's Edge, Clarendon Dock, Belfast BT1 3BH, Chartered Accountant, the Supervisor of the aforementioned voluntary arrangements give notice pursuant to Rule 5.34(2) of the Insolvency Rul...
by Foggy
Sat Apr 21, 2018 8:50 am
Forum: Ask IVA Forum and Industry experts
Topic: Dfd to apiture near a year still no completion certificate
Replies: 5
Views: 124
Write directly to the IP by recorded delivery (keeping copies) and make a formal complaint. If you get no resolution within a reasonable timeframe ( I would suggest 21 days) you can escaltae the complaint to their regulators via the Government Gateway at https://www.gov.uk/complain-about-insolvency-...
by Foggy
Fri Apr 20, 2018 9:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: If i am made redundant, will i have to carry on paying as normal?
Replies: 1
Views: 300
It will go to your creditors to add to the amount of debt you repay. You are expected to continue normal payments out of the 6 months salary you are allowed to keep from the redundancy compensation. If you do not get new employment within the 6 monhts you can ask for a payment break, which will be a...
by Foggy
Fri Apr 20, 2018 8:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: On payment break in 6th year with DFD, meanwhile they sold out. What to do?
Replies: 1
Views: 287
You need to contact Aperture : https://apertureiva.com/dfd/ They are not good at communication, so it might take some persistence.
by Foggy
Fri Apr 20, 2018 6:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Taking money from pension during IVA
Replies: 2
Views: 366
Unless pensions and proceeds have been specifically excluded any drawdown while in the IVA will be due to be paid to your creditors.
by Foggy
Fri Apr 20, 2018 5:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: Working in finance while in an iva
Replies: 22
Views: 3345
Congratulations ... and well done ! :-)
by Foggy
Fri Apr 20, 2018 2:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA- want a mortgage
Replies: 4
Views: 393
The IVA has to come off the credit files. I would suggest having a word with Ryan and / or Shaun, who are both whole of market brokers with experience of adverse credit applications. Even with the IVA off of your credit records some lenders will ask if you have ever been in an IVA, or have you been...
by Foggy
Fri Apr 20, 2018 12:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA- want a mortgage
Replies: 4
Views: 393
The IVA has to come off the credit files. I would suggest having a word with Ryan and / or Shaun, who are both whole of market brokers with experience of adverse credit applications. Even with the IVA off of your credit records some lenders will ask if you have ever been in an IVA, or have you been ...
by Foggy
Fri Apr 20, 2018 10:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Bankruptcy and self employed
Replies: 7
Views: 748
Thank you, Lisa .
by Foggy
Fri Apr 20, 2018 10:37 am
Forum: Ask IVA Forum and Industry experts
Topic: Replacement copy of IVA completion certificate
Replies: 3
Views: 449
The only possibility -- and it is a long shot after 10 years, is that the courts or the Insolvency Service has retained a copy.
by Foggy
Fri Apr 20, 2018 10:34 am
Forum: Ask IVA Forum and Industry experts
Topic: I have no idea how much I need to be asking to remortgage for
Replies: 30
Views: 1079
I just assumed what I had was a standard agreement as - to me - it makes complete sense if you couldn’t raise any equity in the fifth year that they would extend it to six :lol: They only extend if there was equity there to raise (over £5k) and you were unable to raise it. If there is no equity (le...
by Foggy
Fri Apr 20, 2018 6:54 am
Forum: IVA approved!
Topic: Hey
Replies: 8
Views: 562
"£2000 more than you owe on your IVA"? Do you mean £2000 more than the originally agreed payments ? Or £2000 more than your original debt ? As Luluj says -- you always owe the full original debt, plus fees and possible statutory interest during the IVA. It is only when you get to the end t...
Search found 25564 matches Page 1 of 1705