Search found 25604 matches

Search found 25604 matches Page 1 of 1707
by Foggy
Tue Apr 24, 2018 5:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: NRAM and F&F offers
Replies: 17
Views: 5114
Ok so the F&F meeting is set for 17 May at 10:30. Regarding the sale, we’ve been asked to pay £400 for a sellers pack (leashold info) which we are happy to pay, but unsure about doing this before the offer is accepted. Any thoughts? Personally I would try to stall in case the offer is refused b...
by Foggy
Tue Apr 24, 2018 5:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA & injury compensation
Replies: 6
Views: 19
Most (most!) IP's follow the procedure as in BR -- compensation for "pain & suffering" is yours -- but it must be described that way in the compensation offer. There is no specific mention of this in IVA terms and I have seen at least one IP in the past try to grab the lot --- we were ...
by Foggy
Tue Apr 24, 2018 5:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: Having multiple bank accounts during IVA
Replies: 1
Views: 25
I used to operate two Cashminder accounts. My salary went into the main account and I left enough there to cover all the direct debits and standing orders. The rest went into account to for general food shopping etc. As the only income to the second account was matched by a debit from the main accou...
by Foggy
Tue Apr 24, 2018 5:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I request a variation on my IVA?
Replies: 3
Views: 77
OK -- so you effectively had a 6 year IVA with an extension for equity ? Has the IP done a review since the change in circumstances ? Is he / she aware of the drop in income ? You can propose a full and final offer based on payments made to date, but this can take a few months to process, so try to ...
by Foggy
Tue Apr 24, 2018 4:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Help Needed
Replies: 10
Views: 136
I’m sorry but I have to disagree with a number of points here. You state that IPs are not responsible for the PPI fiasco nor the Green/Wright case. Was it not an IP who forced the case through a number of judges because they did not agree with the outcome?? In my specific case the IP is asking me t...
by Foggy
Tue Apr 24, 2018 4:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help with IVA completion certificate
Replies: 11
Views: 483
Well done -- great news -- onward and upward :-)
by Foggy
Tue Apr 24, 2018 4:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Dfd to apiture near a year still no completion certificate
Replies: 14
Views: 1121
Excellent --- finally some service ..eventually.
by Foggy
Tue Apr 24, 2018 3:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I request a variation on my IVA?
Replies: 3
Views: 77
I have completed 6 years in an IVA . I am aged 66 and receiving State Pension , and small private pension. I have no seperate earnings. Due to significant changed circumstances , there is substantial negative surplus in my Income and Expenditure statement , therefore negative affordability for IVA ...
by Foggy
Tue Apr 24, 2018 2:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Help Needed
Replies: 10
Views: 136
When you say IVA revoked, what do you mean by that?? It was completed in 2011. Are you saying that all these years later my IVA could fail. If so what happens to all the money I paid in all those years ago? Couldn't say. I have never come across a revocation, but an insolvency professional mentione...
by Foggy
Tue Apr 24, 2018 2:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Help Needed
Replies: 10
Views: 136
I might add that there is also the possibilty that the previous payouts will not be pursued because, at that time, even the IP's didn't know what to do with the money, so how could you be expected to know it wasn't yours ? A small straw to clutch at, but a straw nonetheless.
by Foggy
Tue Apr 24, 2018 2:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Help Needed
Replies: 10
Views: 136
Bottom line -- the money belongs to the creditors via the IVA. The creditors / IP are within their rights to pursue collection and it is also possible for the IVA to be revoked. There is the possibility that the claims company will just be told that there is no refund payable without being told a pa...
by Foggy
Tue Apr 24, 2018 12:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help with IVA completion certificate
Replies: 11
Views: 483
I would consider making a complaint regardless: https://www.gov.uk/complain-about-insolvency-practitioner Thank you for you reply Lisa. Yeah we are going to complain on the gov website no matter what as we have waited more than enough now and not getting anywhere. Do you know what the letters are u...
by Foggy
Tue Apr 24, 2018 11:45 am
Forum: Ask IVA Forum and Industry experts
Topic: What will happen to my money I gave Debt Free Direct towards IVA?
Replies: 2
Views: 162
Aperture bought the DFD caseload and the IVA will continue as normal with them ... the money you have paid in so far will have either been passed to creditors or transferred with the case to the new IP.
by Foggy
Tue Apr 24, 2018 9:39 am
Forum: Ask IVA Forum and Industry experts
Topic: Sorting credit files!
Replies: 3
Views: 163
Debtfreesoon wrote:
Thanks for that!
Just to clarify am I able to ask for them to remove the notice of correction now or do I have to wait for the 6yr point and then write to them?


An NoC has no time limits and you can ask for it to be removed now.
by Foggy
Tue Apr 24, 2018 9:05 am
Forum: Ask IVA Forum and Industry experts
Topic: Sorting credit files!
Replies: 3
Views: 163
Have a read here -- it will answer those questions :-)

https://www.iva.co.uk/what-does-an-iva- ... dit-record
Search found 25604 matches Page 1 of 1707