IVA Calculator - Do I qualify?

Most votes, these days, are made by email, phone or fax and gathered prior to the "meeting" (which is often no more than a count). You should know the result within an hour, but some firms are very lax and seem to forget that you are there, waiting! Be prepared to chase them.

Good luck.

Fees in an IVA are usually around 15% of the IVA payments plus around £2000, those in BR are somewhat higher! You can complain, via the government gateway, to the IP's regulators at https://www.gov.uk/complain-about-insolvency-practitioner, although there is probably very little they can / will do a...

Did you check all three credit reference agencies ? Sometimes one will show what the others do not.

You should do as Luluj suggests and have a chat with Ryan and / or Shaun, both of whom have a lot of experience of dealing with IVA speckled histories.

Onward and Upward, Teiganh.

Guarantor loans will have to be paid by the guarantors if you are unable to make the agreed payments, even if you enter an IVA they will still have to pay.

As equity has already been addressed I would imagine that this is an error. Give Hanover a ring to confirm and ask them to give it to you in writing.

PPI remains vested in the trust created by the IVA and is due to be shared, pro-rata, between former creditors, as recently confirmed in the courts. It should not, however, be retained by the creditors as an offset. However, bearing in mind that not many ex-IVA'ers are in a position to fight that ac...

The references will be around about the same places. Your proposal will state that it is governed by the Standard Conditions.

With that sort of unverifiable debt I would imagine an IP would be reluctant to propose an IVA.

Should I call them and tell them what I'm doing or just start paying £400 rent and tell them whenever my review is if they pick up on it? We cannot tell you what to do -- that is for yourself to decide given that you know your own moral compass and all of the rest of the picture that we do not. Per...

Voucher in the post this weekend, fighting through the Christmas deluge

In the post 2014 conditions overtime is mentioned at Part 3 : 8 (7)

Windfalls are included under the umbrela of "after acquired assets", defined in Part 1: 1 (f) Then Part 3: 8 (3)

Do you have a "Protocol" agreement ( it should say on the front page what terms are being used ) ?

If so it will refer and be governed by the Standard Conditions.

No! You cannot and must not favour one creditor over another. Debts have to be repaid fairly and pro rata to all creditors. If you do pay off a debt it is possible to have the IVA failed.

Who are you with ? An IVA for £9,000 seems a little heavy handed.

It is likely that your IVA will take this payment, or at least around half of it, in addition to your usual monthly payments.