Search found 25579 matches

Search found 25579 matches Page 1 of 1706
by Foggy
Mon Apr 23, 2018 6:52 am
Forum: Ask IVA Forum and Industry experts
Topic: Can we get a mortgage after the IVA?
Replies: 2
Views: 103
Many forum members have managed to get mortgages after the credit files have cleared. Success depends on the amound of deposit you can muster, as well as the normal lending criteria, and asking the right lenders. This is were a broker with experience in adverse credit applications is useful and I wo...
by Foggy
Mon Apr 23, 2018 6:48 am
Forum: Ask IVA Forum and Industry experts
Topic: Help. Companies saying I owe debt
Replies: 6
Views: 1255
Let your IP investigate - tell them to communicate with your IP who can then tell them to go away They had got in touch with the IP themselves and that is now why our IP is asking why we didn’t include them in our Iva. I’m really stressed now as I’m scared it will make our Iva fail when we really d...
by Foggy
Mon Apr 23, 2018 6:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Advice needed pls
Replies: 2
Views: 81
All I can advise is that you do what the OR requests. His duty is to fully investigate your financial affairs and this is part of it.
by Foggy
Sun Apr 22, 2018 2:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: Not signed final proposal but still added to register & told IVA breached by us
Replies: 6
Views: 478
Sorry, I can't figure out how to do the photo but a paragraph in the letter regarding the meeting with creditors states " I will send you a letter confirming these changes which you must sign and return to confirm your agreement to the changes ". My partner did not sign and send back but ...
by Foggy
Sun Apr 22, 2018 2:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will PPIs rules during an IVA be overturned before August 2019?
Replies: 1
Views: 394
They are not likely to make any change between now and the deadline -- apart from pushing claims. There is no reason for them to suddenly decide that, as the gravy boat is running dry they will let us have the dregs .... they will be going for those dregs themselves! As for the PPI contributing to s...
by Foggy
Sun Apr 22, 2018 2:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will the mortgage defaults remain now that IVA is over?
Replies: 5
Views: 987
I believe the Mortgage default will show for 6 years from when it was lodged -- so another 3 years. Including it in the IVA will only allow it to be marked partially settled ( if the lender reports it as such).
by Foggy
Sun Apr 22, 2018 8:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Amended proposals
Replies: 2
Views: 379
Some firms are a little more "creative" than others ! Personally I would be worried that they are able to manipulate what should be set figures so easily or blatantly.
by Foggy
Sun Apr 22, 2018 8:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Pay rise due 4th may
Replies: 4
Views: 408
The 10% 50/50 rule applies to overtime and bonus payments. Permanenrt pay rises are dealt with at the review following the pay rise and the IVA payment increases by 50% of the increase the month after that review. Between the rise and review you get to keep all of the increase. So a lot, here, will ...
by Foggy
Sun Apr 22, 2018 8:07 am
Forum: Ask IVA Forum and Industry experts
Topic: Not signed final proposal but still added to register & told IVA breached by us
Replies: 6
Views: 478
In the normal course of events the modifications should have been discussed on the day of the initial meeting and he would have been asked to give verbal agreement at least. In my case I had to electronically sign an email on the day! The fact that he made two payments could be construed as agreemen...
by Foggy
Sun Apr 22, 2018 8:00 am
Forum: Ask IVA Forum and Industry experts
Topic: Does PPI claim by IVA reduce my monthly payment or it just gets sucked by IVA?
Replies: 1
Views: 409
PPI refunds go to your creditors (after fees) and increase the amount you repay off your debt. The idea behind the IVA is that you repay as much as you comfortably can, within the terms of the agreement, NOT that you only repay the monthly repayments set at the outset. So PPI refunds, overtime, bonu...
by Foggy
Sat Apr 21, 2018 9:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: Dfd to apiture near a year still no completion certificate
Replies: 11
Views: 711
Krif wrote:
I've just searched but can't find the email address. Could you post it & would it matter that it's not for her at apiture?


If she is the same person ... the published email is elaine.masters@cleardebt.co.uk ---- don't know how current the Insolvency Service records are
by Foggy
Sat Apr 21, 2018 8:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Foggy
Replies: 4
Views: 573
recovering wrote:
Thanks Foggy , I just had a new debit card through but it’s not contactless so I was a bit disappointed. I may give them a ring


The one they gave me with the new account is contactless -- I can't remember if the cashminder ones were (so probably not).
by Foggy
Sat Apr 21, 2018 7:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Getting notice of correction removed
Replies: 1
Views: 546
If you go to the CRA's website you can email them from there. A NoC doesn't expire and will remain until manually removed.
by Foggy
Sat Apr 21, 2018 6:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Dfd to apiture near a year still no completion certificate
Replies: 11
Views: 711
The name on the letter is Elaine Masters. What would her email address be as it just says contact apiture if any questions which is the main number. But they are useless. I've already put in a complaint over the phone. Not heard anything back from that. Apparently there is an Elaine Masters at Debt...
by Foggy
Sat Apr 21, 2018 6:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Foggy
Replies: 4
Views: 573
Hi Foggy, can I pick your brain please? I know you were with Co-op through your IVA can I ask have you upgraded your Cashminder now? If so how long after you finished? I enquired through the chat facilty online but they gave a very generic you can to apply online answer Hi. I applied in branch just...
Search found 25579 matches Page 1 of 1706