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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: 141
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: 223
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: 235
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: 335
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: 414
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: 5324
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: 307
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: 6
Views: 447
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: 5126
bridgey wrote:
The postman just delivered the completion certificate!!

We’re done!



Great news !!

Onward and Upward :-)
by Foggy
Thu Jul 19, 2018 8:26 am
Forum: Ask IVA Forum and Industry experts
Topic: Payday loans while in an IVA
Replies: 6
Views: 447
So is depend of creditors? How they will sort this out? First it will depend on how your IP decides to handle it. He might give you a chance to put things right. If the IVA is terminated your creditors are then free to try to collect the debt any way they think fit. They will add back lost interest...
by Foggy
Thu Jul 19, 2018 8:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Payday loans while in an IVA
Replies: 6
Views: 447
If they terminate the IVA due to breaches the creditors can apply for bankruptcy, if they think it is worthwhile. They might do it right away (some IVAs have a clause that, in the event of a breach, the IP will petition for bankruptcy behalf of the creditors). or they might take several years. If th...
by Foggy
Thu Jul 19, 2018 6:55 am
Forum: bonus, overtime, pay rises and windfalls
Topic: Lloyds refund interest charges and fees
Replies: 6
Views: 497
Technically the money should be paid to your IP for distribution between creditors or return to you if the IP deems this uneconomical. I doubt that your IP would argue the point with the bank though. You could fire off a complaint to the ombudsman --- they do not involve themselves in IVA's, but, as...
by Foggy
Thu Jul 19, 2018 6:49 am
Forum: Ask IVA Forum and Industry experts
Topic: Full & final offer
Replies: 3
Views: 406
I have approximately 20 months of my IVA left. I woukd like to make a full and final offer. My payments are £79.50 a month. How much do you think i should offer. This is being paid from a friend and only to pay off the IVA. Over the next 20 months (assuming that you are not a home owner) the credit...
by Foggy
Wed Jul 18, 2018 8:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditfix Standing Order Details
Replies: 2
Views: 475
GoonerDad wrote:
Hi,

Does anyone know how to make an online payment to creditfix. Or know where their bank details are?

Kind Regards



You will have to get that information from your case worker as each client has a different client account to pay into.
by Foggy
Wed Jul 18, 2018 8:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Accepted...but now?
Replies: 1
Views: 532
Welcome to the journey ! You will be all over the place, emotionally, for a while, but things soon settle down. You need to declare everything financial (even extra under the 10% threshold ) and it will be down to the IP to request required payments, if they are due. It is better to tell your IP eve...
Search found 26305 matches Page 1 of 1754