Search found 25620 matches

Search found 25620 matches Page 1 of 1708
by Foggy
Thu Apr 26, 2018 6:54 am
Forum: Ask IVA Forum and Industry experts
Topic: Divorce settlement during IVA
Replies: 14
Views: 4907
I am sorry, but I cannot understand what the problem is from Creditfix's point of view. They and their solicitor are making everything unnecessarily complicated ! Your inability to speak to your IP is completely unreasonable (and not due to him being "too busy", but due to the firm taking ...
by Foggy
Thu Apr 26, 2018 6:48 am
Forum: Ask IVA Forum and Industry experts
Topic: I own 40% of my house, can I gift it to my daughter?
Replies: 1
Views: 82
No. Your share is an asset of the IVA until such time as the equity release aspects are dealt with.
by Foggy
Wed Apr 25, 2018 6:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Foggy
Replies: 10
Views: 1441
Yea I have it on my phone I suppose it is just the feeling of being welcomed back into the mainstream... silly really Not so silly really. Most of us do not want credit when we end the IVA, but we still crave the "normality" of a clean credit record. We still want a credit card -- again, ...
by Foggy
Wed Apr 25, 2018 2:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: Knightsbridge
Replies: 7
Views: 321
Knightsbridge have allowed ex to claim expenditure of £200 A MONTH for an extra car for his wife! she has not long passed her test, doesn’t work and is a short walk from school. Surely this is not included in CFT and should be money for creditors. The extra £200 a month would be nearly enough to re...
by Foggy
Wed Apr 25, 2018 2:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: Foggy
Replies: 10
Views: 1441
Yea the new card is for my cashminder, nothing wrong with the account just wanted to be a bit more “normal” I've been running a Cashmider acccount since my IVA, mine isn't a contactless card either. However, I set up Samsung Pay on my phone and it's great. Just hold the phone to the card reader and...
by Foggy
Wed Apr 25, 2018 1:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Received Payplan Completion Letter in under 6 weeks of completion....shocked!!
Replies: 5
Views: 312
Congratulations, well done ... and well done to Payplan too !

Onward and Upward !
by Foggy
Wed Apr 25, 2018 10:48 am
Forum: Ask IVA Forum and Industry experts
Topic: Bank account recommendations
Replies: 2
Views: 341
Whoever he applies to he will have to ask for a basic account. He is unlikely to get a "standard" current account. As Kallis mentioned, the Co-Op Cashminder is very popular, but other banks do have their own versions.
by Foggy
Wed Apr 25, 2018 10:20 am
Forum: Ask IVA Forum and Industry experts
Topic: Does it matter if you live in housing association property
Replies: 3
Views: 347
julie662 wrote:
Iva does it make any difference if your in housing association property


Unless your HA has any insolvency clauses it should make no difference.
by Foggy
Wed Apr 25, 2018 7:12 am
Forum: Ask IVA Forum and Industry experts
Topic: Will cancelled IVA remain on my credit file for 6 years?
Replies: 1
Views: 372
natalie221 wrote:
I applied for an back in 2014 and find myself not being able to keep up with the payments so it got cancelled. Can my credit file be amended or will it remain on there for 6 years


It will remain there for the full 6 years I am afraid.
by Foggy
Wed Apr 25, 2018 7:04 am
Forum: Ask IVA Forum and Industry experts
Topic: 2002 completed Iva - new PPI claim
Replies: 2
Views: 524
Very similar situation here: iva-help-needed-t85083

All very much uncharted ground.
by Foggy
Wed Apr 25, 2018 6:59 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA Help Needed
Replies: 13
Views: 653
Seriously though. Is there anyway of us with completed IVAs actually put an end to all this, because theoretically it could never end. Slightly jesting here, but what if I were to find an antique vase up in the loft, go on the Antiques Roadshow, and it be seen to be worth £20k. My IP could then say...
by Foggy
Wed Apr 25, 2018 6:50 am
Forum: Ask IVA Forum and Industry experts
Topic: Full and final offer rejected, what to do next?
Replies: 3
Views: 442
Barclays is unlikely to budge and prodding HMRC is very risky as they can be prickly. The problem here is that the F&F is counteracted by the arrears and creditors do not tend to like arrears.
by Foggy
Wed Apr 25, 2018 6:44 am
Forum: Ask IVA Forum and Industry experts
Topic: I am a guarantor for a loan, borrower is thinking of IVA
Replies: 2
Views: 413
The loan company will look to you for repayment, the IVA will absolve the borrower. You can become a creditor in your own right and put a claim in to his IP regarding the repayments you have to make on the borrower's behalf. I am afraid that, if anything, you will only get a small proportion of the ...
by Foggy
Tue Apr 24, 2018 7:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Voting houses
Replies: 5
Views: 513
Over half of my creditors were represented by these organisations -- they all voted yes. They can look at the proposal in a more detached way and will decide purely on the economics without seeing the account history.
by Foggy
Tue Apr 24, 2018 7:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: Voting houses
Replies: 5
Views: 513
bridgey wrote:
What/who are voting houses?


They are. I believe, organisations who handle the voting on behalf of creditors, like Tix and Max Recovery, as well as the likes of Grant Thornton.
Search found 25620 matches Page 1 of 1708