Search found 26079 matches

Search found 26079 matches Page 1 of 1739
by Foggy
Wed Jun 20, 2018 10:48 am
Forum: Ask IVA Forum and Industry experts
Topic: Selling a house whilst in an IVA
Replies: 3
Views: 122
I am currently in an IVA and selling my house can you please tell me how much I have to pay back, will it be what I owe on the IVA or the original debt? You will have to pay whatever amount takes you up to covering the full original debt, plus fees and possible statutory interest. Alternatively you...
by Foggy
Wed Jun 20, 2018 8:21 am
Forum: Ask IVA Forum and Industry experts
Topic: Is this anything to do with PPI
Replies: 3
Views: 447
As Lisa says, the deed you have hold of is probably the one that assigns the insurance benefits to the mortgage lender in the event of a claim. But, as I say, there might have been an element of PPI charged.
by Foggy
Wed Jun 20, 2018 6:51 am
Forum: Ask IVA Forum and Industry experts
Topic: What proof will be required to show that I can't remortgage
Replies: 4
Views: 354
I'm considering taken out an I'VE due to the amount of debt but I'm concerned about having to mortgage near the end of the IVA. What proof do you require to prevent remortgaging to release equity. I think I would struggle to re mortgage but I don't want to be worrying for 5 years and then I'm force...
by Foggy
Tue Jun 19, 2018 5:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Advice on 6th year IVA
Replies: 11
Views: 1530
Hi Lisa thanks for your response .Sorry but could you just clarify what you mean please? If we were any good at understanding this stuff we probably wouldnt be in this mess! Thankyou In a nutshell: if the amount of equity your wife has is less than £5k the equity release clause doesn't kick in. In ...
by Foggy
Tue Jun 19, 2018 4:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: Advice on 6th year IVA
Replies: 11
Views: 1530
Have you had a recent valuation and redemption figure from any secured creditors to establish whether your wife's share of equity is above the standard minimum (35k)? If you can challenge Creditfox's calculation of equity the extension may not apply. Hi Lisa thanks for your response .Sorry but coul...
by Foggy
Tue Jun 19, 2018 3:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is this anything to do with PPI
Replies: 3
Views: 447
Couldn't tell you without seeing it but it is possible that there might be PPI involved.
by Foggy
Tue Jun 19, 2018 3:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit file record after IVA
Replies: 3
Views: 401
Have a read here:

https://www.iva.co.uk/what-does-an-iva- ... dit-record

Each account will only have one default -- it is simply being reported every month and will disappear on it's 6th anniversary, which should also be the time the IVA goes, assuming everything is correctly dated.
by Foggy
Tue Jun 19, 2018 12:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: No contact from Aperture about IVA closure
Replies: 3
Views: 3924
To make a complaint you have to go though their internal complaints procedure, as detailed on their website. If no joy / response to this you can escalate the complaint to their regulators via the government gateway here: https://www.gov.uk/complain-about-insolvency-practitioner As for getting throu...
by Foggy
Tue Jun 19, 2018 11:34 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture never ending nightmare!
Replies: 6
Views: 623
I find this so weird to read this and others about Aperture. They handled my F&F IVA in 2016 and everything was so well handled, I owe them so much for getting some things through our IVA agreement that perhaps should never have happened. They were always available, helpful and everything was h...
by Foggy
Tue Jun 19, 2018 10:36 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA Completion Certificate
Replies: 1
Views: 445
how long does the completion take with MD? A final payment made in march and an extra payment from PPI I claimed has gone in after this time. Eagerly awaiting certificate They are normally not too bad and usually complete within the norm of 2 to 3 months. I imagine the PPI payment has delayed matte...
by Foggy
Tue Jun 19, 2018 9:37 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture never ending nightmare!
Replies: 6
Views: 623
Hello, I have just been informed by Aperture that they need to address the equity release clause, this would have been fine if they had bothered to contact me 6 months before the end of my iva as agreed but unfortunately I've been told this today after inquiring as to where my completion certificat...
by Foggy
Tue Jun 19, 2018 8:08 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I have a gym membership in an IVA
Replies: 1
Views: 493
You can start a gym membership whilst in an IVA, but I doubt that the creditors will allow the fees to be added as an allowable expense. If you can fund the membership from your already agreed expenses there should be no problem. If you haven't yet started / agreed expenses, it could be covered by a...
by Foggy
Tue Jun 19, 2018 6:42 am
Forum: Ask IVA Forum and Industry experts
Topic: Do I have a duty to fill forms from PPI?
Replies: 2
Views: 598
This is untested ground. Yes, the PPI belongs to the creditors, as confirmed by the courts. But what pressure the former IP can bring to bear, or is willing to bring to bear, has not yet been, as I say, tested. During the IVA you had to comply with reasonable requests and authorising PPI claims was ...
by Foggy
Tue Jun 19, 2018 6:36 am
Forum: Ask IVA Forum and Industry experts
Topic: The end must be in sight ...?
Replies: 2
Views: 624
Well done -- nearly there.

Aperture are suffering some kind of back log at the moment so some perseverance will be required from you in the communication stakes (never their strong point at the best of times).
by Foggy
Mon Jun 18, 2018 7:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit Accounts still open?
Replies: 2
Views: 609
Hi Our interlocking IVA was approved on 23rd May :D All our credit accounts are still showing as open with the current balance. Interest still being charged and late payment charges being applied. We have recieved default notices on all accounts and they are now 2 months in arrears. How long does i...
Search found 26079 matches Page 1 of 1739