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Search found 25614 matches Page 1 of 1708
by Foggy
Wed Apr 25, 2018 10:48 am
Forum: Ask IVA Forum and Industry experts
Topic: Bank account recommendations
Replies: 2
Views: 54
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: 1
Views: 71
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: 123
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: 280
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: 406
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: 2
Views: 159
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: 150
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: 268
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: 268
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.
by Foggy
Tue Apr 24, 2018 6:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA & injury compensation
Replies: 7
Views: 288
Your IVA provider is your IP's firm --- so they should be aware of the policy and be singing from the same hymnsheet.
by Foggy
Tue Apr 24, 2018 5:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: NRAM and F&F offers
Replies: 19
Views: 5146
Ok so the F&F meeting is set for 17 May at 10:30. Regarding the sale, we’ve been asked to pay £400 for a sellers pack (leashold info) which we are happy to pay, but unsure about doing this before the offer is accepted. Any thoughts? Personally I would try to stall in case the offer is refused b...
by Foggy
Tue Apr 24, 2018 5:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA & injury compensation
Replies: 7
Views: 288
Most (most!) IP's follow the procedure as in BR -- compensation for "pain & suffering" is yours -- but it must be described that way in the compensation offer. There is no specific mention of this in IVA terms and I have seen at least one IP in the past try to grab the lot --- we were ...
by Foggy
Tue Apr 24, 2018 5:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: Having multiple bank accounts during IVA
Replies: 2
Views: 323
I used to operate two Cashminder accounts. My salary went into the main account and I left enough there to cover all the direct debits and standing orders. The rest went into account to for general food shopping etc. As the only income to the second account was matched by a debit from the main accou...
by Foggy
Tue Apr 24, 2018 5:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I request a variation on my IVA?
Replies: 3
Views: 349
OK -- so you effectively had a 6 year IVA with an extension for equity ? Has the IP done a review since the change in circumstances ? Is he / she aware of the drop in income ? You can propose a full and final offer based on payments made to date, but this can take a few months to process, so try to ...
by Foggy
Tue Apr 24, 2018 4:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Help Needed
Replies: 13
Views: 406
I’m sorry but I have to disagree with a number of points here. You state that IPs are not responsible for the PPI fiasco nor the Green/Wright case. Was it not an IP who forced the case through a number of judges because they did not agree with the outcome?? In my specific case the IP is asking me t...
Search found 25614 matches Page 1 of 1708