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Search found 26883 matches Page 1 of 1793
by Foggy
Thu Sep 20, 2018 1:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will my IVA fail
Replies: 6
Views: 110
If they have over 25% of your total unsecured debt, they could have the power to stop the IVA. On the day of the meeting you will need at least 75% of those who vote to say yes ( that is 75% by value of the debt, not 75% by numbers voting voting). You have probably been speaking to a collections tea...
by Foggy
Thu Sep 20, 2018 1:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Possible Pay rise 4 months to go
Replies: 3
Views: 67
Assuming you have the usual clauses (and all will be revealed with a good read of your paperwork) a permanent pay rise is not taken into account until the annual review follwing the rise and any increase added to the regular payments following the review. All of the extra money between getting the ...
by Foggy
Thu Sep 20, 2018 12:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will my IVA fail
Replies: 6
Views: 110
What, exactly, was the lie ? And how were you "found out"?
by Foggy
Thu Sep 20, 2018 12:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can't get a mortgage after IVA
Replies: 2
Views: 104
Hi, I can’t get a mortgage in principle due to having an IVA. I finished it a couple of years ago, I only need £105,000 and have £20,000 deposit. Can anyone advise me what I can do please? Many Thanks for any info Speak to Ryan and / or Shaun... both are whole of market brokers with experience and ...
by Foggy
Thu Sep 20, 2018 11:34 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting tomorrow!!!
Replies: 3
Views: 93
You have as good a chance as any, Bex. Fingers crossed for tomorrow ... good luck.
by Foggy
Thu Sep 20, 2018 6:48 am
Forum: Ask IVA Forum and Industry experts
Topic: Student maintenance loan and my IVA
Replies: 1
Views: 294
Many people in an IVA get student finance with the agreement of the IP. The problem here is, possibly, not the finance itself, but the fact that you haven't discussed it or got the permission of your IP. There is always the chance that they will notice at some point, so maybe it would be an idea to ...
by Foggy
Thu Sep 20, 2018 6:42 am
Forum: Ask IVA Forum and Industry experts
Topic: Reopening a completed IVA?
Replies: 2
Views: 379
Rather than re-opening the arrangement, it could be set aside (invalidated) by the courts if the IP is so minded to apply and the court minded to agree. There are other sanctions like fraud charges. Again, if the IP is so minded.
by Foggy
Wed Sep 19, 2018 5:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: 4th Year Annual review
Replies: 3
Views: 359
They have to submit the report to creditors within 2 months of the anniversary date, so they do have a good amount of leeway. If you are worried, give them a call.
by Foggy
Wed Sep 19, 2018 3:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Any ideas what I should do?
Replies: 4
Views: 711
£30k is high for a DMP, but, of course, it will also depend upon the anticipated repayment level. But, more to the point, creditors often like to see a gambling free period and a short term DMP is one way of reducing the stress of trying to make impossible repayments during this period.
by Foggy
Wed Sep 19, 2018 9:01 am
Forum: Ask IVA Forum and Industry experts
Topic: When can you get a loan post IVA?
Replies: 2
Views: 537
My friend is in IVA, I am thinking of paying it off for her,When would she be able to get a loan.? Her credit file would not clear until the 6th anniversary of the start of the IVA, assuming that all default dates were also correct --- have a read here: https://www.iva.co.uk/what-does-an-iva-do-to-...
by Foggy
Wed Sep 19, 2018 6:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Any ideas what I should do?
Replies: 4
Views: 711
Hi.I have managed to make myself a lot of debt with online betting.Which now I am struggling to pay. I know it was a stupid thing to do but I got cut in it and it seems like I couldn't come out of it.What do you think the solution is for me?An Iva or a debts management plan or ?My debts reached £30...
by Foggy
Tue Sep 18, 2018 5:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: Admin charges have increased
Replies: 2
Views: 737
What are these "Admin Charges" ? If they are fees, they can obnly charge what was agreed in the proposal or Chairman's Report (Chairman's Report overrides the proposal), unless you have agreed to a variation. They are not added on to the payments but are part of them already. Do also read ...
by Foggy
Tue Sep 18, 2018 2:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Who to make complaint
Replies: 3
Views: 726
Hi. The process is to make a formal complaint to your IP and this can then be followed up by a complaint to their regulatory body, if no joy. Complaints to regulators are made via the government gateway at: https://www.gov.uk/complain-about-insolvency-practitioner A Freeman Jones representative ofte...
by Foggy
Tue Sep 18, 2018 12:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I change car whilst in IVA
Replies: 2
Views: 749
You would need to seek, and gain, the approval of your IP and I doubt this would be forthcoming. In any event, even with approval, it is highly unlikely that you will be granted finance as you will fail any credit check.
by Foggy
Tue Sep 18, 2018 12:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: Personal injury
Replies: 2
Views: 710
Insurance payments are not defined in IVA terms and conditions, but IP's tend to follow the practice as in bankruptcy. So, how your own IP will treat the compensation is down to them. Those that follow the BR procedures (as most do) will allow you to retain compensation for "Pain and Suffering&...
Search found 26883 matches Page 1 of 1793