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by Foggy
Mon Jan 22, 2018 7:56 am
Forum: Ask IVA Forum and Industry experts
Topic: I need a phone as i don't currently have one at all
Replies: 13
Views: 679
dan158 wrote:
If all fails and my ip fails my iva for getting this contract what could i do from then iv never been so scared in my life ?


I doubt he would fail you for getting a phone contract. If you are not claiming any extra expenses ( allowances) for it I doubt he would even notice.
by Foggy
Mon Jan 22, 2018 7:55 am
Forum: Ask IVA Forum and Industry experts
Topic: Beginning IVA
Replies: 2
Views: 130
Business accounts for those in an IVA tend to be difficult to procure -- but some have had success when approaching the branch business manager, in person, as he can override the automated refusal you will get from the computer. Barclays has been mentioned a couple of times in this regard (as long a...
by Foggy
Mon Jan 22, 2018 7:51 am
Forum: Ask IVA Forum and Industry experts
Topic: My mother is about to get an IVA, I feel she is being conned.
Replies: 1
Views: 51
First I would suggest she chat to several firms for advice. As for the house conundrum .... when did she sell her house and give you the deposit on yours ? The problem here is that, say she was to go bankrupt, the official receiver would get the house sold to get that deposit bak if it was done rece...
by Foggy
Sun Jan 21, 2018 7:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: After IVA loan accepted but with a whopping 12.9% & an extra £3000 interest
Replies: 1
Views: 235
It is possible that they have the IVA on file due to one of your former creditors being in the same group of companies or it could just be down to the lottery that seems to prevail these days --- acceptance for credit and good rates can, it seems, be as much down to the time of the month or fianacia...
by Foggy
Sun Jan 21, 2018 6:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA Query
Replies: 2
Views: 221
I have seen instances where former creditors have lent again and I believe Barclays were one mentioned before --- but lending is never an exact science. I think the dice play a bigger part than we would like to imagine !
by Foggy
Sun Jan 21, 2018 6:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: Due to receive holiday pay. Would it be subject to 10 50/50 rule?
Replies: 9
Views: 359
I was allowed to keep my holiday pay but I had a great IP at the time. There are some helpful ones out there -- but they seem to be becoming an endangered species ! Should i wait until review or ask them now You are supposed to inform them when you get the money and the share due to the IVA, if any...
by Foggy
Sun Jan 21, 2018 5:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: Due to receive holiday pay. Would it be subject to 10 50/50 rule?
Replies: 9
Views: 359
recovering wrote:
I was allowed to keep my holiday pay but I had a great IP at the time.


There are some helpful ones out there -- but they seem to be becoming an endangered species !
by Foggy
Sun Jan 21, 2018 5:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: My partner is willing to purchase a car for me on the agreement I pay him back
Replies: 1
Views: 250
Your partner can gift you a car but you will not be allowed to pay him back during your IVA. What you can manage from existing allowances plus your share of increased income can be kept privately between the two of you. If you have the usual clauses you will have to inform your IP of the increase wh...
by Foggy
Sun Jan 21, 2018 3:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: Final payment questions
Replies: 4
Views: 1636
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: 277
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: 270
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: 270
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: 9
Views: 359
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: 354
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: 9
Views: 359
It would fall under the 10% 50/50 rules. But IP's often have different interpretations of various clauses.
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