Search found 26893 matches

Search found 26893 matches Page 1 of 1793
by Foggy
Sun Sep 23, 2018 9:49 am
Forum: Ask IVA Forum and Industry experts
Topic: Is my car on finance included in an IVA?
Replies: 1
Views: 38
If the loan is secured on the vehicle it cannot be rolled into your IVA and the repayments for the loan will form part of your allowable expenses (at the discretion of your IP and creditors). When repayments on the car finish they will be added to your IVA payments. The vehicle will be considered an...
by Foggy
Sun Sep 23, 2018 8:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Do you have to give permission to an iva co. to allow them to claim ppi?
Replies: 2
Views: 227
You have agreed to allow your IP to perform his duties in respect of your IVA --- one of those duties is seeking and claiming PPI/. He can do this even after the IVA has been completed, as recently agreed and confirmed by the courts. Your IP can only retain fees as already agreed with your creditors...
by Foggy
Sat Sep 22, 2018 12:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Review time by post or online?
Replies: 3
Views: 357
As Merlin says -- have a quick word. I, too, am sure they will accept paper copies.
by Foggy
Sat Sep 22, 2018 7:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Does my wife have to work?
Replies: 1
Views: 466
No, you cannot remove a creditor and have to let them vote. Do they hold enough voting power to force through this amendment --- they need at least 25% by debt amount, of those voting to swing it. The IP could try to get others to vote it down or you could just refuse and the IVA will not get off th...
by Foggy
Fri Sep 21, 2018 4:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Stressed!!
Replies: 8
Views: 706
Not good at all -- CF strike again !! Chin up -- hopefully good news Monday.
by Foggy
Fri Sep 21, 2018 4:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Insolvency Register
Replies: 1
Views: 619
There is a report error button on the register which you can use to initiate contact with the Insolvency Service. They will respond by email asking you to send a copy of the completion certificate, if they can't find it doen the back of a filing cabinet.
by Foggy
Fri Sep 21, 2018 2:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: Stressed!!
Replies: 8
Views: 706
For most firms an hour and a half would be plenty ... but a couple , these days, and one in particular, seem to be having problems with meetings and sometimes take days to get their act together.
by Foggy
Fri Sep 21, 2018 12:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: Releasing equity in IVA
Replies: 1
Views: 648
Remortgaging, though not impossible, is highly unlikely. If you could remortgage you would be expected to pay off as much of the full original debt, plus fees and possible statutory interest as possibe. However the release clause has it's own glass ceilings (assuming you have the usual clauses): The...
by Foggy
Fri Sep 21, 2018 6:45 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA and guarantor loan
Replies: 1
Views: 747
In an IVA all unsecured debt has to be included -- you cannot pick and choose. The debt will then fall to your gurantor to repay. How much are the repayments ?
by Foggy
Fri Sep 21, 2018 6:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I clear my IVA early?
Replies: 1
Views: 758
I doubt that £1000 would be accepted against a debt of £21,000. However, the gift could be used to get the debt below £20,000 for a DRO -- assuming you meet all the other criteria. If not it could be used to fund BR (£750), again, assuming you would be happy with BR. Do you rent, or are you a home o...
by Foggy
Thu Sep 20, 2018 1:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will my IVA fail
Replies: 6
Views: 1014
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: 931
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: 1014
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: 3
Views: 993
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: 5
Views: 949
You have as good a chance as any, Bex. Fingers crossed for tomorrow ... good luck.
Search found 26893 matches Page 1 of 1793