Search found 24508 matches

Search found 24508 matches Page 1 of 1634
by Foggy
Mon Jan 22, 2018 2:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: I fear I may be homeless soon, my landlord has decided not to renew the rental
Replies: 1
Views: 18
Try your local authority and also look in the local paper for local landlords who rent privately without using agents --- many will not credit chs=eck and I am sure your current landlord will give you a reference. The L.A should also have a list of landlords you could try.
by Foggy
Mon Jan 22, 2018 1:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: My mother is about to get an IVA, I feel she is being conned.
Replies: 7
Views: 189
I see no reason, two years after the fact, to mention any financial connection with the house. It is your house and your mother lives with you is all they need to know. Does she work and have an income with which to service an IVA ? If so they will base the figures on that, after making allowance fo...
by Foggy
Mon Jan 22, 2018 12:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: In creditors meeting for F&F offer, if they didn't vote is it a automatic yes?
Replies: 2
Views: 78
not voting is not an automatic yes, or no --- that creditor is ignored. You need a 75% yes vote (based on value) of those who vote on the day. I imagine those who did bother to vote gave an overall no response and your IP is trying to get the others to vote in order to try to get a yes majority.
by Foggy
Mon Jan 22, 2018 12:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hi,This is my first posting and I have a query about bank accounts prior to starting an IVA
Replies: 41
Views: 8196
Lisa Thomas wrote:
Kallis you must be bored - that post was over 2 years ago...?!



OP posted again a few days ago and revived the old post --- more coffee needed :-)
by Foggy
Mon Jan 22, 2018 9:19 am
Forum: Ask IVA Forum and Industry experts
Topic: What are the caps for expenditure under IVA?
Replies: 3
Views: 114
Don't know if it is still the case, but the Stepchange website used to give hints as you filled in the online I&E. But, as Kallis says, put down what you spend and the IP will adjust accordingly.
by Foggy
Mon Jan 22, 2018 7:56 am
Forum: Ask IVA Forum and Industry experts
Topic: I need a phone as i don't currently have one at all
Replies: 13
Views: 757
dan158 wrote:
If all fails and my ip fails my iva for getting this contract what could i do from then iv never been so scared in my life ?


I doubt he would fail you for getting a phone contract. If you are not claiming any extra expenses ( allowances) for it I doubt he would even notice.
by Foggy
Mon Jan 22, 2018 7:55 am
Forum: Ask IVA Forum and Industry experts
Topic: Beginning IVA
Replies: 2
Views: 230
Business accounts for those in an IVA tend to be difficult to procure -- but some have had success when approaching the branch business manager, in person, as he can override the automated refusal you will get from the computer. Barclays has been mentioned a couple of times in this regard (as long a...
by Foggy
Mon Jan 22, 2018 7:51 am
Forum: Ask IVA Forum and Industry experts
Topic: My mother is about to get an IVA, I feel she is being conned.
Replies: 7
Views: 189
First I would suggest she chat to several firms for advice. As for the house conundrum .... when did she sell her house and give you the deposit on yours ? The problem here is that, say she was to go bankrupt, the official receiver would get the house sold to get that deposit back if it was done rec...
by Foggy
Sun Jan 21, 2018 7:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: After IVA loan accepted but with a whopping 12.9% & an extra £3000 interest
Replies: 2
Views: 331
It is possible that they have the IVA on file due to one of your former creditors being in the same group of companies or it could just be down to the lottery that seems to prevail these days --- acceptance for credit and good rates can, it seems, be as much down to the time of the month or fianacia...
by Foggy
Sun Jan 21, 2018 6:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA Query
Replies: 6
Views: 331
I have seen instances where former creditors have lent again and I believe Barclays were one mentioned before --- but lending is never an exact science. I think the dice play a bigger part than we would like to imagine !
by Foggy
Sun Jan 21, 2018 6:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: Due to receive holiday pay. Would it be subject to 10 50/50 rule?
Replies: 9
Views: 438
I was allowed to keep my holiday pay but I had a great IP at the time. There are some helpful ones out there -- but they seem to be becoming an endangered species ! Should i wait until review or ask them now You are supposed to inform them when you get the money and the share due to the IVA, if any...
by Foggy
Sun Jan 21, 2018 5:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: Due to receive holiday pay. Would it be subject to 10 50/50 rule?
Replies: 9
Views: 438
recovering wrote:
I was allowed to keep my holiday pay but I had a great IP at the time.


There are some helpful ones out there -- but they seem to be becoming an endangered species !
by Foggy
Sun Jan 21, 2018 5:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: My partner is willing to purchase a car for me on the agreement I pay him back
Replies: 2
Views: 332
Your partner can gift you a car but you will not be allowed to pay him back during your IVA. What you can manage from existing allowances plus your share of increased income can be kept privately between the two of you. If you have the usual clauses you will have to inform your IP of the increase wh...
by Foggy
Sun Jan 21, 2018 3:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: Final payment questions
Replies: 4
Views: 1710
I’ve sent my annual review back to my company I’m using and they think due to my self employment and industry I work in my wages vary week to week I will be looking at least another 3/4 payments before I complete my Iva What is everyone else’s situation on this where as gone past the 60 payments Lo...
by Foggy
Sun Jan 21, 2018 3:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: I try to do regular overtime for any contingencies, will it be a problem?
Replies: 2
Views: 357
It shouldn't be a problem as a sensible IP knows that this overtime could stop at any time and is not guaranteed --- of course there are a few less than sensible IP's (despite their years of training). Let us hope yours is one of the former !
Search found 24508 matches Page 1 of 1634