Search found 26593 matches

Search found 26593 matches Page 1 of 1773
by Foggy
Mon Aug 20, 2018 6:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I sell my house?
Replies: 21
Views: 241
If the lender was to bankrupt me, would they be able to reverse the transfer on the grounds that i was doing it to avoid paying debts? Its a bit hypothetical i understand. They might, but would have to overcome the complication of the house itself not being under a charge (which was, possibly, plac...
by Foggy
Mon Aug 20, 2018 6:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I sell my house?
Replies: 21
Views: 241
The house was just gifted to my brother ...for safe keeping... : :( Depending on how the courts view this whole thing it is possible that they could overturn the transfer unless they accept that the charge was on the garden only and hasn't been released. This could see the house safe, but the mortg...
by Foggy
Mon Aug 20, 2018 6:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I sell my house?
Replies: 21
Views: 241
The charge was mistakenly put on the garden only. (house was built outside area of planning), and outside of folio So the garden has a different title and the house was sold without the garden ?? The charge, then, would have been placed (albeit in error) on the garden land and still be there. Doesn...
by Foggy
Mon Aug 20, 2018 6:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I sell my house?
Replies: 21
Views: 241
Ah -- just seen your latest post, put up while I was writing mine ... the bite is coming.
by Foggy
Mon Aug 20, 2018 6:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I sell my house?
Replies: 21
Views: 241
Hi, Title deeds are in my brothers name, regstered owner with no charges Hmmm ... what are the mortgage company saying about the debt ? They should have released the charge to allow the transfer or LR would not have registered the new owner. Were the lenders named in the IVA and were they listed as...
by Foggy
Mon Aug 20, 2018 5:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I sell my house?
Replies: 21
Views: 241
I'm sorry to deceive anyone to this point. But this has all already happened. I went through and iva with a one off full settlement. The iva practitioner said as the mortgage company didnt have security of the house, they were unsecured, and included in the iva. I have the whole thing settled and M...
by Foggy
Mon Aug 20, 2018 5:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is child maintenance from children father included in I&E?
Replies: 1
Views: 83
Maintenance is money to assist you in looking after the children -- it is not theirs. As such it will be counted as income. The expenses of bringing up the children are catered for in your agreed allowances .. you can't have that money allowed for twice. Is the father paying under a court / DWP orde...
by Foggy
Mon Aug 20, 2018 5:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I sell my house?
Replies: 21
Views: 241
You will not be able to sell or otherwise dispose of the property without settling the mortgage -- this includes transferring it to a relative. In any event this would be seen as potentially depriving your creditors of an asset. The only way of getting the mortgage included in the IVA would be to al...
by Foggy
Mon Aug 20, 2018 4:38 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I sell my house?
Replies: 21
Views: 241
Hi I want to go into an iva, but i have a problem. I built on a family farm, but the house i built somehow was built in the wrong place. Its outside the area that the mortgage company has security over. Are they unsecured now? Ie, can i sell my house? The mortgage company would have security on the...
by Foggy
Mon Aug 20, 2018 3:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is 39.01p in the £ a good return for creditors?
Replies: 13
Views: 292
Ah, thank you, Lisa. I was under the impression that there was a limit, after which the proposal had to be re-submitted if wanted. I still think they are tampering with paperwork --- seems only CF have these issues. Last year they were having problems getting initial meetings off the ground on a reg...
by Foggy
Mon Aug 20, 2018 3:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is 39.01p in the £ a good return for creditors?
Replies: 13
Views: 292
Lisa ... how many times can they adjourn ?

I fear CF are again tampering with the Protocol procedures which were previously agreed with the IVA Forum (industry body .. not this forum) and in accepted use for a number of years .
by Foggy
Mon Aug 20, 2018 2:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: Payday Loan compensation whilst in an IVA
Replies: 2
Views: 184
It is an interesting dilemma: If you received compensation for mis-selling the loan, which, as you say, some have done, then it would be payable into the IVA. I believe some of these loans have also been set aside by the courts. Now, the majority of your loans in the IVA are these very pay day compa...
by Foggy
Mon Aug 20, 2018 1:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: Behind with payments
Replies: 3
Views: 598
Best of luck, CP. Let us know how you get on.
by Foggy
Mon Aug 20, 2018 1:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: DMP to IVA
Replies: 3
Views: 180
If your income has increased over the years and your payment in the DMP hasn't you might see an increase. I would suggest a chat with an IVA provider to see what the figures might come out at. I would also suggest a small to medium firm, rather than the "IVA factories" or the supposed &quo...
by Foggy
Mon Aug 20, 2018 11:17 am
Forum: Ask IVA Forum and Industry experts
Topic: Will and IVA affect my wifes Visa application?
Replies: 1
Views: 228
Who are the "they" who have asked you to confirm ? I would suggest you go to the .GOV.UK site and check there, or speak to someone at immigration directly as these things cannot be looked at alone and all of your circumstances are looked at together. As far as I know an IVA itself is not a...
Search found 26593 matches Page 1 of 1773