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Search found 27103 matches Page 1 of 1807
by Foggy
Sat Oct 20, 2018 1:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Settling my IVA
Replies: 1
Views: 56
Redundancy compensation is payable into the IVA, apart from the equivalent of 6 months salary which you will be allowed to keep and with which you will be expected to live and pay the IVA as normal for those 6 months while you seek alternative employment. You will not be permitted to repay loans fro...
by Foggy
Sat Oct 20, 2018 11:28 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors meeting adjourned
Replies: 4
Views: 333
kallis3 wrote:
Is this a new IVA? Looking at earlier threads you were with Freeman Jones.


I think this is a new application --- the husband's IVA was with FJ, but was terminated.
by Foggy
Sat Oct 20, 2018 8:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I get an iva having just bought a house?
Replies: 1
Views: 133
Much would depend on the exact timing and time-scale of events, but the creditors might not look kindly on things --- on the other hand, now that you are a house owner, they stand to get back more than they would have done otherwise, either by way of equity release in the final sages of the IVA or a...
by Foggy
Fri Oct 19, 2018 8:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Terminating My IVA Part 2
Replies: 2
Views: 368
The FO has no interest in, or jurisdiction over, IVA's. You need to make a formal complaint to the IP / Firm which you cn then escalate to their regulatory body via the Government Gateway here: https://www.gov.uk/complain-about-insolvency-practitioner Unfortunately the regulators will not intervene ...
by Foggy
Fri Oct 19, 2018 8:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors meeting adjourned
Replies: 4
Views: 333
Are you with Creditfix, by any chance ? If so, they often pull this and provide a variety of reasons, but usually come through in the end.
by Foggy
Fri Oct 19, 2018 10:58 am
Forum: Ask IVA Forum and Industry experts
Topic: Equity calculations with Aperture
Replies: 14
Views: 1100
Hi this is their method of calculations Valuation £180,000 Less mortgage £147,023 Less selling costs 3.5% £6300 Equity available £26,676 Less partner share £13,388 Available equity £13,338 Less 15% £2000 85% of client interest £11,337 Clearly different to the method used when I took out the IVA wit...
by Foggy
Fri Oct 19, 2018 9:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Affordability Passport
Replies: 8
Views: 741
CF are well known for doing this. You do not have to do it. do you know if it's ever caused trouble for people? I can't find any reviews for this programme online I have not heard of any problems caused but with the amount of computerised databases being unintentionally shared these days third part...
by Foggy
Fri Oct 19, 2018 9:40 am
Forum: Ask IVA Forum and Industry experts
Topic: Mis-selling of mortgage/tax code
Replies: 7
Views: 760
Im no expert in these things but because PPi deadline is looming, are they looking into other avenues of claiming additional funds to pay into IVA such as mortgage ppi and medical claims??? just a thought as i imagine lots of extra has come from PPI over the years. I agree -- but there has to be a ...
by Foggy
Fri Oct 19, 2018 9:30 am
Forum: Ask IVA Forum and Industry experts
Topic: Equity calculations with Aperture
Replies: 14
Views: 1100
Aperture are beyond reprehensible in using their own, novel, interpretations of the equity release clauses ! I admit that the clauses can be read their way, but, as they well know, that was not the intention when they were (albeit badly) drafted. In any event I believe, for the avoidance of such dou...
by Foggy
Thu Oct 18, 2018 6:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: No contact from IVA company
Replies: 32
Views: 1665
Yes, the generally accepted method is Open Market Value x 85% less outstanding mortgage and secured lending = available equity
by Foggy
Thu Oct 18, 2018 6:55 pm
Forum: Disputes and IVA Mediation
Topic: sale of property
Replies: 11
Views: 736
They are still operating as far as I am aware -- just offloaded the IVA side of things. Try their online contact form and address it to David Mond. His email used to be david.mond "at" cleardebt "dot " co "dot" uk Thanks for that Foggy i have emailed David Mond and had...
by Foggy
Thu Oct 18, 2018 5:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: RX1 lifted?
Replies: 2
Views: 696
If it is still on the title it will show in the title register. It will take a couple of weeks to filter through I would imagine.
by Foggy
Thu Oct 18, 2018 5:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mis-selling of mortgage/tax code
Replies: 7
Views: 760
I assume the extra year is because you are a homeowner and this is in respect of equity release. If so this is standard and is written into the agreement. If not -- have they said why ?
PPI, again. is standard. Mortgages and tax codes I feel are just going too far --- where will this end ??
by Foggy
Thu Oct 18, 2018 5:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: Noddle Credit Score
Replies: 3
Views: 685
Ok, I completed my Iva and have completion certificate. How can I raise my credit score, I’ve checked on Noddle and it shows 2 accounts still in Default but does show in Public Information as Iva Completed. Hve a read here: https://www.iva.co.uk/what-does-an-iva-do-to-your-credit-record Not a lot w...
by Foggy
Thu Oct 18, 2018 4:34 pm
Forum: Disputes and IVA Mediation
Topic: sale of property
Replies: 11
Views: 736
They are still operating as far as I am aware -- just offloaded the IVA side of things. Try their online contact form and address it to David Mond.

His email used to be david.mond "at" cleardebt "dot " co "dot" uk
Search found 27103 matches Page 1 of 1807