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by Foggy
Mon Jun 24, 2019 4:37 pm
Forum: mortgages
Topic: New build help to buy after Iva
Replies: 4
Views: 50

If you get the certificate within a week it would count as a modern miracle -- we shall see.

Ryan has some contacts with HtB providers: memberlist.php?mode=viewprofile&u=18488
by Foggy
Mon Jun 24, 2019 4:12 pm
Forum: full and final settlements
Topic: Advice on making F&F offer
Replies: 4
Views: 1879

Fingers firmly crossed -- Best of luck !
by Foggy
Mon Jun 24, 2019 3:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: No record of IVA - PPI payout
Replies: 1
Views: 44

A letter of no interest from Aperture should suffice to allow the Co-Op to pay you direct.
by Foggy
Mon Jun 24, 2019 3:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Redundancy question.
Replies: 1
Views: 48

They generally allow you to retain the equivalent of 6 months salary from redundancy pay, with which to live and continue paying the IVA while you look for work. The rest (if there is any) goes into the IVA to increase the dividend. You could offer the retained amount as a full and final -- but, the...
by Foggy
Mon Jun 24, 2019 1:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: Early settlement Aperture
Replies: 5
Views: 156

Thanks Foggy appreciated. Do I just use letter template 6? Or just email Aperture with the formal 23k offer? Any other caveats would you suggest to include? Thanks. An email should suffice to get the ball rolling ( I did mine on the phone). You might consider popping in a paragraph to the effect th...
by Foggy
Mon Jun 24, 2019 1:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F SETTLEMENT ADVICE
Replies: 29
Views: 1480

I would think it has a very good chance -- but .... 27th August ?? Should be tied up faster than that !
by Foggy
Mon Jun 24, 2019 8:27 am
Forum: Ask IVA Forum and Industry experts
Topic: Early settlement Aperture
Replies: 5
Views: 156

The equity release portion is contractual -- the only way to change this would be to include a clause in the variation to either reduce or remove the amount payable. You are within your rights to offer the lower figure, but the creditors are within their rights to refuse. They may take the hit to si...
by Foggy
Mon Jun 24, 2019 8:20 am
Forum: Ask IVA Forum and Industry experts
Topic: Paying off iva and mortgage?
Replies: 5
Views: 148

I can only echo Kallis here. Deal with the full and final first with an offer based on the remaining payments due. Then have a word with Ryan and / or Shaun. whose details can be found here: Ryan: https://www.iva.co.uk/forum/memberlist.php?mode=viewprofile&u=18488 Shaun: https://www.iva.co.uk/forum/...
by Foggy
Mon Jun 24, 2019 8:17 am
Forum: Ask IVA Forum and Industry experts
Topic: Savings
Replies: 3
Views: 155

As long as you are funding this by sacrificing other expenses it should be OK. You will not be allowed the £50 a month as an expense category.
If the account matures, or you draw out a portion, during the IVA, the 'bonus element' could be looked at as, possibly, an amount due to the IVA.
by Foggy
Mon Jun 24, 2019 8:11 am
Forum: Ask IVA Forum and Industry experts
Topic: Is severance seen as the same as redundancy?
Replies: 2
Views: 116

It is the same as in you are being compensated on your loss of employment. Although there is no statutory right to "severance pay", many employers use the same formula as redundancy. And some employers simply call redundancy 'severance'.
by Foggy
Sun Jun 23, 2019 7:29 pm
Forum: Meet the experts
Topic: Mobile phone deals
Replies: 3
Views: 111

Sun Jun 23, 2019 7:14 pmDean4800 wrote:
Iam unhappy in job iam in have applied for job in Costco hoping bit more money overtime will I be making mistake changing jobs in iva
Difficult to say these days .... with no job security anywhere ! And, of course, it depends on your ability to stick with a job you are not happy in.
by Foggy
Sun Jun 23, 2019 6:38 pm
Forum: Ask IVA Forum and Industry experts
Topic: Discharged undefined
Replies: 6
Views: 159

I paid what they asked me for they did another income review over the phone which I found weird so if I breached by not paying enough what they asked for would it automatically be discharged ? It shouldn't be --- if you breach they should send a Notice of Breach and give you the chance to correct it.
by Foggy
Sun Jun 23, 2019 6:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Discharged undefined
Replies: 6
Views: 159

It says it’s still current , I had some issues a few months back as they wanted to increase my payments by treble so I cancelled my DD but payed by the payments auto line ... Did you pay the usual amount, or did you pay the increased amount ? If you paid the usual, you might be in arrears, which co...
by Foggy
Sun Jun 23, 2019 5:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: Aperture and First Dispute Management Ltd
Replies: 4
Views: 186

Any PPI refunds and similar do belong to the former creditors ---- we do not know what lengths Aperture can or will go to to get you to sign and can only guess. I altered mine to say that they have all the information they needed from my IVA paperwork and I could not recall anything else ( which is ...
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