Search found 25554 matches

Search found 25554 matches Page 1 of 1704
by Foggy
Fri Apr 20, 2018 12:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA- want a mortgage
Replies: 3
Views: 44
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: 440
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: 109
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: 27
Views: 752
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: 7
Views: 243
"£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...
by Foggy
Fri Apr 20, 2018 6:49 am
Forum: money saving tips
Topic: Now TV
Replies: 1
Views: 145
Well done. This is the trick -- get bargain hunting and coupon clipping -- they are out there! :-)
by Foggy
Thu Apr 19, 2018 6:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bankruptcy and self employed
Replies: 7
Views: 440
Good news. Please let us know how you get on.
by Foggy
Thu Apr 19, 2018 3:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: I have no idea how much I need to be asking to remortgage for
Replies: 27
Views: 752
katherine682 wrote:
Foggy wrote:
Out of curiosity -- does your equity release clause have a £5k de minimis ?


Yep it does.


Are you happy that there is more than £5k equity ? If there is less then the extra 12 months wouldn't apply (assuming you have the standard clauses).
by Foggy
Thu Apr 19, 2018 3:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help. Companies saying I owe debt
Replies: 4
Views: 401
It is not up to you to prove you don't owe the money -- it is up to them to prove that you do! Tell your IP that you do not owe these companies and what evidence, if any, can they produce.
by Foggy
Thu Apr 19, 2018 2:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: I have no idea how much I need to be asking to remortgage for
Replies: 27
Views: 752
Out of curiosity -- does your equity release clause have a £5k de minimis ?
by Foggy
Thu Apr 19, 2018 11:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Beginning IVA journey, very scared!!
Replies: 19
Views: 3069
Thanks so much Allywally..like you no one else knows our situation..I’m literally trying to paste a smile on my face in work etc while hyperventilating under the surface! Especially hard while listening to a colleague talking about spending £500 on a meal out (one meal!!) for her and her hubbie at ...
by Foggy
Thu Apr 19, 2018 11:10 am
Forum: Ask IVA Forum and Industry experts
Topic: Bankruptcy and self employed
Replies: 7
Views: 440
Everyone who petitions for BR has to go through these hoops and under the microscope. I think she probably meant you might have to cease trading if you operate on credit accounts from suppliers --- everything will have to be cash transactions and some suppliers might close accounts. If you can get a...
by Foggy
Thu Apr 19, 2018 10:04 am
Forum: Ask IVA Forum and Industry experts
Topic: I am going to pay more back than I owe on my IVA - Is this right?
Replies: 6
Views: 559
Thank you for your replies.Please could explain what statutory and contractual interest is and what it actually means in direct relation to my IVA? I haven’t come across these terms before and I am unsure what it actually means for me. Thank you I am very upset with the way my IVA has progressed. I...
by Foggy
Thu Apr 19, 2018 8:35 am
Forum: Ask IVA Forum and Industry experts
Topic: Payments not made to creditors
Replies: 4
Views: 602
Mhug wrote:
Thanks for your help. I was starting to think they had jist been taking my money and not paying the creditors


Might I ask which firm you are with ?
by Foggy
Thu Apr 19, 2018 7:59 am
Forum: Ask IVA Forum and Industry experts
Topic: I am going to pay more back than I owe on my IVA - Is this right?
Replies: 6
Views: 559
During an IVA you owe the full original debt, plus fees and possiblre statutory interest .... most people never get the benefit of massive promotions and so usually pay far less than the original debt --- don't forget that you are also being forgiven contractual interest, often at a rate far higher ...
Search found 25554 matches Page 1 of 1704