Search found 26099 matches

Search found 26099 matches Page 1 of 1740
by Foggy
Fri Jun 22, 2018 9:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting (Credit Fix) adjourned 4 times
Replies: 3
Views: 62
So this seems normal? Does it mean that there may still be a chance for it to go through eventually. I’m a nervous wreck Normal for Creditfix, but not an industry norm. As I said, I have seen this routinely with CF recently but they still seem to manage to pull it together in the end in the majorit...
by Foggy
Fri Jun 22, 2018 8:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting (Credit Fix) adjourned 4 times
Replies: 3
Views: 62
I have been on this forum for 8 years and, until CF appeared on the scene I never heard mention of regular adjournments of creditors meetings and rarely came across single adjournments while the IP canvassed creditors to get a meaningful vote .... but this seems to be the norm at CF. There is obviou...
by Foggy
Fri Jun 22, 2018 4:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: Could my IVA still be visible somewhere?
Replies: 4
Views: 144
Hello everyone. I have recently applied for a Business account with Natwest but they have come back with an insolvency/bankruptcy flag. I'm assuming this is my IVA. Only thing is my IVA was settled five maybe 6 years ago! I am fully solvent, have a mortgage, car finance etc so my credit history is ...
by Foggy
Fri Jun 22, 2018 1:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Time, acceptance rates...
Replies: 10
Views: 828
Thanks foggy, unfortunately I am somewhat of a serial overthinker, it's a joint IVA for me and my husband, debts only total around £7000, between approximately 10 creditors, which considering some cases I've read is a relatively small amount. We have just had our MOC date through 17/07/18! So anoth...
by Foggy
Fri Jun 22, 2018 1:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bonuses
Replies: 4
Views: 5330
Interlocking IVA's basically lump the finances together to be treated as one sum, so your initial calculations are broadly on the right lines. Anything over the full debt, fees and interest (less payments to date) will be yours. Regarding PPI -- remember that only about 2/3 rds of the refunds will h...
by Foggy
Fri Jun 22, 2018 10:22 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I cash in some pension?
Replies: 3
Views: 236
My final payment was 1st June 2018, I need to move and rent a property as I have been living with my daughter to enable me to complete the five year IVA I am now 62 I do not have any other assets, I need to take an amount out of my pension to do this, but have not received any confirmation on compl...
by Foggy
Fri Jun 22, 2018 6:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Waiting for completion certificate
Replies: 6
Views: 419
I have had this arguement with the Insolvency Service and them denying any removal from the register before three months, whilst I was telling them of instances happening while we were discussing the matter --- in the end they simply stopped responding to me! I do not think it is legislation but rat...
by Foggy
Fri Jun 22, 2018 6:42 am
Forum: Ask IVA Forum and Industry experts
Topic: RX1 form
Replies: 2
Views: 409
As Luluj says, assuming your husband conducts the IVA correctly, the house will not be lost. He will, however, need to investigate releasing his sghare of the equity towards the end of the IVA. I am afraid that, if you have transferred the house into joint names then he legally owns a share.
by Foggy
Thu Jun 21, 2018 7:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: Time, acceptance rates...
Replies: 10
Views: 828
Sorry, me again! Just been doing some nosing around online and have seen people saying they are paying as little as 8p of the £1 to their creditors, per my proposal, should it be accepted I would be returning 55p of the £1. Considering a lot of what I have read, this seems to be a great offer right...
by Foggy
Thu Jun 21, 2018 2:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Experian.......
Replies: 18
Views: 3664
MerlinL14 wrote:
I hope the dream of a Fiat 500 becomes a reality soon. Nice car and very chic, not that it would suit a past middle age man with his "Christmas podge" still visible :shock: :D


With a bit of a paint job you could make a matching pair !!!!
by Foggy
Thu Jun 21, 2018 12:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting tomorrow!
Replies: 6
Views: 1623
Thanks foggy. So each month that they delay and I continue paying extra into the 6th year they still get the agreed equity release money too?!! surely that encourages them to keep delaying! They might get an extra 3-6 months payments AND the equity release!!! I might as well just pay the extension ...
by Foggy
Thu Jun 21, 2018 12:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Amigo rejected my IVA
Replies: 3
Views: 618
I am sorry, but I can only echo Merlin's advice. Your guarantor should also seek advice as Amigo will look to him or her for repayment in the event that you default.
by Foggy
Thu Jun 21, 2018 11:41 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting tomorrow!
Replies: 6
Views: 1623
You will breach the terms once you miss three payments and, unfortunately, without an agreed payment break, payments are still due whilst awaiting the outcome of a F&F. I am curious to know why it is that CF cases always seem to be adjourned, both at initial meetings and variations -- what are t...
by Foggy
Thu Jun 21, 2018 6:36 am
Forum: a success story
Topic: Completion Certificate is here!!
Replies: 4
Views: 709
Getting the debtor to do this seems to be the new thing with several insolvency firms, although technically it shouldn't be needed as the "system" should take care of it. However, it is advisable, as Luluj says, to check the basics -- are the default dates all correct (indeed, are all the ...
by Foggy
Thu Jun 21, 2018 6:29 am
Forum: Ask IVA Forum and Industry experts
Topic: Inaccurate IVA report
Replies: 2
Views: 644
Challenge it with your IP and ask for the statement to be amended to reflect the facts.
Search found 26099 matches Page 1 of 1740