Search found 24495 matches

Search found 24495 matches Page 1 of 1633
by Foggy
Sun Jan 21, 2018 3:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: Final payment questions
Replies: 4
Views: 1432
I’ve sent my annual review back to my company I’m using and they think due to my self employment and industry I work in my wages vary week to week I will be looking at least another 3/4 payments before I complete my Iva What is everyone else’s situation on this where as gone past the 60 payments Lo...
by Foggy
Sun Jan 21, 2018 3:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: I try to do regular overtime for any contingencies, will it be a problem?
Replies: 2
Views: 44
It shouldn't be a problem as a sensible IP knows that this overtime could stop at any time and is not guaranteed --- of course there are a few less than sensible IP's (despite their years of training). Let us hope yours is one of the former !
by Foggy
Sun Jan 21, 2018 2:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: Completion certificate delay. Dfd & apiture
Replies: 4
Views: 52
Thanks, all reviews and f&f was done by dfd. All apiture have to do is issue the certificate. Can they come back and say they need to do a new review? It's their complete lack of response that is so wrong. I am afraid they can, if they deem it is needed. Aperture have a stand alone completions ...
by Foggy
Sun Jan 21, 2018 2:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: Completion certificate delay. Dfd & apiture
Replies: 4
Views: 52
You will still get full debt statements, as creditors often set up dummy accounts when you go into an IVA so dividends do not appear on the "real" account -- which will simply be closed and written off when completion paperwork is issued. I am afraid you have to persevere with Aperture ---...
by Foggy
Sun Jan 21, 2018 11:58 am
Forum: Ask IVA Forum and Industry experts
Topic: Due to receive holiday pay. Would it be subject to 10 50/50 rule?
Replies: 5
Views: 133
I’ve just gone into an iva on the 17th jan and due to receive holiday pay at the end of this month with my monthly salary . I didn’t use all my holiday days at the end of last year. Would the holiday pay be subject to the 10 50/50 rule, or is it the case that because it relates to last year and I’m...
by Foggy
Sun Jan 21, 2018 11:55 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA settled in 2013, looking for possible mortgages for a new home. Possible?
Replies: 3
Views: 146
kallis3 wrote:
I am wondering why you want a mortgage if you have that much cash at your disposable?


Depends on location --- central London, that's a 2 up, 2 down in some streets ! Here it's a street !
by Foggy
Sun Jan 21, 2018 10:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Due to receive holiday pay. Would it be subject to 10 50/50 rule?
Replies: 5
Views: 133
It would fall under the 10% 50/50 rules. But IP's often have different interpretations of various clauses.
by Foggy
Sun Jan 21, 2018 10:00 am
Forum: Ask IVA Forum and Industry experts
Topic: I need a phone as i don't currently have one at all
Replies: 10
Views: 467
Another question im already paying 20 a month on my iva for a phone so technically iv only raised it by 15 pound a month more would this also work in my favour as its only an increase of 15 pounds more a month than what they already know about? I doubt the IP will agree to increase the phone allowa...
by Foggy
Sun Jan 21, 2018 9:56 am
Forum: Ask IVA Forum and Industry experts
Topic: I am due to apply for ILR
Replies: 3
Views: 502
luluj wrote:
Sorry I may be beIng thick but what is ILR ?


Indefinite Leave to Remain, Luluj
by Foggy
Sun Jan 21, 2018 9:55 am
Forum: Ask IVA Forum and Industry experts
Topic: F & F settlements - StepChange
Replies: 3
Views: 143
That is a good offer and both creditors and Stepchange should be happy with it -- they will get what they signed up for as well as save a lump on administration costs over the next few years. From what I gather Stepchange are pretty much on the ball with these things, so hopefully all should go thro...
by Foggy
Sun Jan 21, 2018 9:52 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA settled in 2013, looking for possible mortgages for a new home. Possible?
Replies: 3
Views: 146
Hi Brian ... same answer as was given in November 2015 applies :-) : https://www.iva.co.uk/forum/a-one-off-lump-payment-cleared-iva-may-2014-now-looking-for-buy-to-let-mortgage-t74527#p696270 Ryan and Shauns details can be found via this page: https://www.iva.co.uk/forum/memberlist.php?mode=team The...
by Foggy
Sun Jan 21, 2018 9:48 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA breached in 3rd year but supervisor continued the IVA, failed it in 6th year
Replies: 1
Views: 140
I am afraid that we debtors have very little recourse to mediation and resolution when things go wrong. The only official routes we have are internal complaints procedures with the IP involved which we can escalate to a complaint to the IP's regulators in due course, via the Government Gateway at : ...
by Foggy
Sat Jan 20, 2018 8:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hi,This is my first posting and I have a query about bank accounts prior to starting an IVA
Replies: 38
Views: 8174
Now that you have got your completion certificate your money is your own, apart from any PPI that might be discovered. Well done on finishing.
by Foggy
Sat Jan 20, 2018 8:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: I need a phone as i don't currently have one at all
Replies: 10
Views: 467
In relation to this, can I ask the experts: some phone companies now do the phone contract as two parts, so much for minutes, so much for the device and you are technically signed into a loan. Some phones are £500+ which leads me to the credit limit query, is this acceptable? My contract is with a ...
by Foggy
Sat Jan 20, 2018 6:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Fiancé going through IVA and forcing me to sign responsibility for part of debt
Replies: 11
Views: 461
The IP will need to see and understand any paperwork associated with the debt --- so will need details of the original debt and the documents signed by his sister and then by you. I doubt the IP would be happy with that. Manipulation could be revealed by the completely unorthodox situation --- peop...
Search found 24495 matches Page 1 of 1633