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by Foggy
Thu Jul 19, 2018 6:55 am
Forum: bonus, overtime, pay rises and windfalls
Topic: Lloyds refund interest charges and fees
Replies: 5
Views: 172
Technically the money should be paid to your IP for distribution between creditors or return to you if the IP deems this uneconomical. I doubt that your IP would argue the point with the bank though. You could fire off a complaint to the ombudsman --- they do not involve themselves in IVA's, but, as...
by Foggy
Thu Jul 19, 2018 6:49 am
Forum: Ask IVA Forum and Industry experts
Topic: Full & final offer
Replies: 1
Views: 58
I have approximately 20 months of my IVA left. I woukd like to make a full and final offer. My payments are £79.50 a month. How much do you think i should offer. This is being paid from a friend and only to pay off the IVA. Over the next 20 months (assuming that you are not a home owner) the credit...
by Foggy
Wed Jul 18, 2018 8:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditfix Standing Order Details
Replies: 2
Views: 170
GoonerDad wrote:
Hi,

Does anyone know how to make an online payment to creditfix. Or know where their bank details are?

Kind Regards



You will have to get that information from your case worker as each client has a different client account to pay into.
by Foggy
Wed Jul 18, 2018 8:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Accepted...but now?
Replies: 1
Views: 190
Welcome to the journey ! You will be all over the place, emotionally, for a while, but things soon settle down. You need to declare everything financial (even extra under the 10% threshold ) and it will be down to the IP to request required payments, if they are due. It is better to tell your IP eve...
by Foggy
Wed Jul 18, 2018 3:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Scores
Replies: 3
Views: 245
Creditors do not see a "score" as such. They look at your history. A clean history makes them wonder why. Modest credit card usage demonstrates that you repay the debts. They also weigh up the use of the cc debt ---- if you use near the max credit they wonder why you appear to "depend...
by Foggy
Wed Jul 18, 2018 2:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA transferred from Knightsbridge to Creditfix
Replies: 3
Views: 300
The end of your post sums it up nicely Willo. CT often try this move and sometimes sneak in other little changes. You are not obliged to agree to any change to the original conditions and it is, in my opinion, wrong for CF, or, indeed, any other firm, to try to make changes without your consent. CF ...
by Foggy
Wed Jul 18, 2018 12:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Ending my iva
Replies: 3
Views: 297
Hi I'm just about to finish my IVA in September after a total of 6 years. We didn't have to release our equity in our house in our final year. Just carried on paying our instalments. Once we have made our final payment what are the chances of being able to remortgage for home improvement or even to...
by Foggy
Wed Jul 18, 2018 10:23 am
Forum: Ask IVA Forum and Industry experts
Topic: Lloyds
Replies: 3
Views: 340
I would be inclined to ignore it .... I doubt they will seek to have the dividend amended.
by Foggy
Wed Jul 18, 2018 10:20 am
Forum: Ask IVA Forum and Industry experts
Topic: What to do after IVA rejected
Replies: 3
Views: 399
kallis3 wrote:
I think they are homeowners as they have tried to remortgage and couldn't.



Ah yes ... good point ... muddled brain. DMP and regroup then.
by Foggy
Wed Jul 18, 2018 6:54 am
Forum: Ask IVA Forum and Industry experts
Topic: What to do after IVA rejected
Replies: 3
Views: 399
The next move depends on the total amount of debt and the make up of that debt and your IP should be able to discuss that with you, knowing the full picture. Ask the IP exactly why the creditor refused -- it might be possible to amend the proposal to get an acceptance. If the debts are under £20k an...
by Foggy
Wed Jul 18, 2018 6:48 am
Forum: Ask IVA Forum and Industry experts
Topic: Undeclared bonus in IVA
Replies: 1
Views: 417
Tell your case worker exactly what you have told us. It is far better if you discover and divulge a mistake than if they do !
by Foggy
Wed Jul 18, 2018 6:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Clearing up credit file
Replies: 5
Views: 540
Oh so there is not even any point my asking them to amend the default dates to the correct date the IVA was approved until after they should have dropped off my credit file next April? Seems unfair they can’t just correct the dates in the first place so that there are no undue delays following the ...
by Foggy
Tue Jul 17, 2018 7:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA closure timescale
Replies: 2
Views: 499
A permanent pay rise during the year should not be taken into account until the review following the rise and any increase only after that review -- so I doubt that there would be any extra required in that regard. The six months is usually counted from the date of the last regular payment and Apert...
by Foggy
Tue Jul 17, 2018 7:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Who is aperture?
Replies: 6
Views: 5506
Thanks Could I not just email them? Or does this have to be an official recorded delivery letter. I just want this sorted once and for all. Its been like a black cloud hung over my head for over 10 years. I want to try and move on and buy another property having lost mine 3 years ago. Would bankrup...
by Foggy
Tue Jul 17, 2018 6:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: Who is aperture?
Replies: 6
Views: 5506
Write a formal complaint, addressed direct to the IP, demanding a full explanation and current situation. Send this by recorded delivery ( keeping copies). If no useful response you can then complainb to their regulatory body via the Government Gateway here: https://www.gov.uk/complain-about-insolve...
Search found 26294 matches Page 1 of 1753