Search found 24524 matches

Search found 24524 matches Page 1 of 1635
by Foggy
Tue Jan 23, 2018 6:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: Professional training course
Replies: 10
Views: 332
Hi, Yeah like you say I'll declare see what happens. Just looked at my proposal which when I went into an IVA took my average salary rather than my contract salary.as mentioned it fluctuates, and I have earnt less than that since but still managed to maintained payments, do you think they would tak...
by Foggy
Tue Jan 23, 2018 6:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am in a trust deed and being accused that my wage slips are not real
Replies: 9
Views: 536
She might be annoyed at you for getting into a mess, but at least you are trying to sort it out! Being annoyed will do her no good if the IVA fails and you lose the house (a possibility).
by Foggy
Tue Jan 23, 2018 2:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: I have gambling on my bank statements
Replies: 4
Views: 236
It depends on the level and frequency of gambling and whether it contributed towards your current problems.
by Foggy
Tue Jan 23, 2018 1:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Total debt £16.7k, paid till date £6.5K. My IP is asking £19.5k to pay off IVA!
Replies: 2
Views: 286
I am half way through my IVA. I took the IVA out across 6 creditors for a total of £16.7 k. To date I have paid £6.5k back. I'm now in a position to pay this off but my IVA practitioner has asked for £19.5 k to do this, yet my total debt was only £16.7 and I've paid £6.5 already. I was always clear...
by Foggy
Tue Jan 23, 2018 11:19 am
Forum: Ask IVA Forum and Industry experts
Topic: What have people done about the creditfix move?
Replies: 3
Views: 255
When I was transferred to GT, many moons ago, (different firms but similar issues) I refused to sign and never had any issues because of it.
by Foggy
Tue Jan 23, 2018 11:17 am
Forum: Ask IVA Forum and Industry experts
Topic: 10% 50/50 - can you explain what this is please?
Replies: 1
Views: 267
The 10% 50/50 rule applies to overtime and bonus payments from work. Some people do not get the 10% but just 50/50, depending on which clauses they have. The 10% is the amount you are allowed to keep and is the amount equivalent to 10% of your usual baseline salary each month. After than the rest is...
by Foggy
Tue Jan 23, 2018 9:12 am
Forum: Ask IVA Forum and Industry experts
Topic: Professional training course
Replies: 10
Views: 332
Thanks, Like you say I'll declare it and explain everything then aslong I've abided by the rules everything should be fine. And then I can make a decision on my course from then on. Cheers Yes, although often a pain in the proverbial rear end, it is best to keep the IP appraised of everything (whet...
by Foggy
Tue Jan 23, 2018 9:09 am
Forum: Ask IVA Forum and Industry experts
Topic: What are the caps for expenditure under IVA?
Replies: 6
Views: 603
Where can I find out what the caps are for expenditures under an IVA. e.g. food, clothing, pet insurance etc? Thank you for your replies. I know the IP will make the adjustments being in my fourth year of my IVA. What I"m asking is:- Where are the caps written down? Who sets them? Are they inf...
by Foggy
Tue Jan 23, 2018 8:19 am
Forum: Ask IVA Forum and Industry experts
Topic: Professional training course
Replies: 10
Views: 332
Hi, Thanks for your advice. I guess this would come up in my review?? Would it not be a case of if I continue to meet my payments each month I would just be left alone? In regards to my bonus it is not a definite amount and fluxates each month so would they increase the payments just on the monthly...
by Foggy
Tue Jan 23, 2018 7:55 am
Forum: Ask IVA Forum and Industry experts
Topic: When is income increase reviewed?
Replies: 1
Views: 333
If you have the usual clauses ( check your proposal) a permanent pay rise is taken into account at the review following the rise and any increase applied from the month after the review. However, you do need to inform the IP when the rise happens, as it will show on payslips and they might assume it...
by Foggy
Tue Jan 23, 2018 7:53 am
Forum: Ask IVA Forum and Industry experts
Topic: Professional training course
Replies: 10
Views: 332
Yes you have to declare the bonus income and pay around half of it into the IVA. Depending on which clause you have you might get a 10% disregard (an amount equivalent to 10% of your normal monthly salary. not the bonus). It is all in your proposal. As for the cost --- you might just be able to cove...
by Foggy
Mon Jan 22, 2018 7:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: About a pay rise
Replies: 6
Views: 462
Assuming you have the usual clauses you will keep all of the rise until the next review. From then on your IVA payment will increase by 50% of the rise each month.
by Foggy
Mon Jan 22, 2018 7:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Windfall/Statutory Interest/PPI
Replies: 6
Views: 1599
You also tell them to remove any reference to BR and they will do so. Hi, I had a conversation with Payplan today and they said they can't remove the bankruptcy clause after it has been signed as a legally binding agreement. So that one of the outcomes of the variation meeting will be that I may be...
by Foggy
Mon Jan 22, 2018 7:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am in a trust deed and being accused that my wage slips are not real
Replies: 9
Views: 536
Why does she not wish to provide the statements ? She could redact them to hide her business and just leave your wage showing as a receipt into the account.
by Foggy
Mon Jan 22, 2018 3:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: Kinsgate insolvency taken over by Vanguard Insolvency & PPI issue tossed around
Replies: 2
Views: 496
Vanguard should have paid the PPI to you as they seem to have no interest in it -- as Kallis says, technically it belongs to the creditors but I imagine the old Kingsgate records are archived and it isn't worth the trouble to dig it all out. Contact Balck Horse and tell them that Vanguard had no int...
Search found 24524 matches Page 1 of 1635