IVA Calculator - Do I qualify?

Get yourself a copy of Keith's IVA Survival Guide ( see banner at the top of the page) -- real life stories from many of us about life in an IVA. Waiting to see what happens for the next 10 years isn't really an option if you sit and think about it. You need to be the one to take control, rather tha...

Give them a ring and ask who your IP is since the change over.

es47 wrote:

Lisa Thomas wrote:

Why are you asking about PPI - does your IVA state that you will submit claims or is your IP supposed to?

My IVA company only asked about PPI on credit cards not catalogues

PPI is PPI regardless of source.

As Kallis says keep pressing them. I would not make mention of the house sale as the fact that this has taken a year or so is enough to base a complaint on and you need not be opening any cans of worms. Write direct to the IP by recorded delivery (keeping copies) to make a formal complaint, then you...

McCambridge Duffy are a well respected firm who do handle IVA's fairly, although I would contact them directly and speak to them, get a feel for them. Contact details here: https://www.iva.co.uk/forum/memberlist.php?mode=viewprofile&u=8021 You will only lose the bank account if your bank is one ...

ashbock123 wrote:

Thanks foggy will check that when get home might be more than that before tax and national insurance is taken off

The important figure is what you end up with in your pocket, after Tax and NI.

Hi, I have catalogue on my IVA. When I contacted them recently to find out if I had PPI, they say they cant find an account for me They could well have binned the old account as a write off ... they would probably look harder if you owed them the money ! Have you got details of the old account ? If...

If they treat the back pay as a windfall, which they can interpret as such, then they should not increase your IVA payment until after the next review. If the back pay is under £500 and you have the usual windfall clause you should be able to keep that as well.

Many forum members have managed to get mortgages after the credit files have cleared. Success depends on the amound of deposit you can muster, as well as the normal lending criteria, and asking the right lenders. This is were a broker with experience in adverse credit applications is useful and I wo...

Let your IP investigate - tell them to communicate with your IP who can then tell them to go away They had got in touch with the IP themselves and that is now why our IP is asking why we didn’t include them in our Iva. I’m really stressed now as I’m scared it will make our Iva fail when we really d...

All I can advise is that you do what the OR requests. His duty is to fully investigate your financial affairs and this is part of it.

Sorry, I can't figure out how to do the photo but a paragraph in the letter regarding the meeting with creditors states " I will send you a letter confirming these changes which you must sign and return to confirm your agreement to the changes ". My partner did not sign and send back but ...

They are not likely to make any change between now and the deadline -- apart from pushing claims. There is no reason for them to suddenly decide that, as the gravy boat is running dry they will let us have the dregs .... they will be going for those dregs themselves! As for the PPI contributing to s...

I believe the Mortgage default will show for 6 years from when it was lodged -- so another 3 years. Including it in the IVA will only allow it to be marked partially settled ( if the lender reports it as such).

Some firms are a little more "creative" than others ! Personally I would be worried that they are able to manipulate what should be set figures so easily or blatantly.