Search found 25629 matches

Search found 25629 matches Page 1 of 1709
by Foggy
Thu Apr 26, 2018 7:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: 2002 completed Iva - new PPI claim
Replies: 4
Views: 807
Out of interest how long can/does a supervisor hold your details for once the Iva has been completed? I’m surprised they still had them including all accounts which were in the Iva at the time. They are obliged to retain records for at least 6 years, I believe. I am guessing with computerisation an...
by Foggy
Thu Apr 26, 2018 6:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Lump sum received while in Iva
Replies: 3
Views: 284
Hi foggy regarding an equal pay claim this is money owed by employer because they did not pay u the correct hourly rate for x amount of years so u are only received back pay which I thought would fall under the 10//50/50 rule because if u had been paid correctly then Ur monthly payments would go up...
by Foggy
Thu Apr 26, 2018 3:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Lump sum received while in Iva
Replies: 3
Views: 284
It is very likely to be due to the IVA anyway, under the windfall clause, so the creditors are unlikely to want to negotiate with something that is already theirs. It will not reduce the payments or the term but will increase the amount of the original debt you are able to repay.
by Foggy
Thu Apr 26, 2018 1:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Completed... but...
Replies: 6
Views: 323
Be firm in your letter but not too confrontational :-) The IVA will not fail until three payments are missed. I would stop the S.O, but hang on to the money in the account, in case you need to play any catch up. I think it is far easier to pay in a missed payment than to recover an overpayment, espe...
by Foggy
Thu Apr 26, 2018 12:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Completed... but...
Replies: 6
Views: 323
Hi. First of all. Thank you to the team that set these forums up. I have been on here many times over the last 5 years and have normally found a response to any questions I have had. My question is a slightly odd one and I'm really beginning to worry about what will happen next. I paid my 60th mont...
by Foggy
Thu Apr 26, 2018 12:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is my IVA completion certificate lost forever
Replies: 3
Views: 283
Have you asked the Insolvency Service directly, or are you relying on the online register? They may have archived records.
by Foggy
Thu Apr 26, 2018 8:57 am
Forum: thinking of making your first post ?
Topic: Stressed, embarassed and a failure
Replies: 13
Views: 1211
The people you are speaking to are not connected to McCambridge Duffy --- they are an introducer: A firm that gathers all the information and them passes you on to one of a number of firms they deal with. They are putting you under unreasonable pressure. You are perfectly entitled to go to McCD dire...
by Foggy
Thu Apr 26, 2018 8:53 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I request a variation on my IVA?
Replies: 7
Views: 883
I am afraid the modification proposed by creditors at the meeting overrides that wrtten in the proposal. It is pretty much standard in a 6 year IVA to extend again for equity release purposes. The first modification was to increase dividend and the further extension to compensate for non-release of...
by Foggy
Thu Apr 26, 2018 8:20 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I request a variation on my IVA?
Replies: 7
Views: 883
I am afraid the modification proposed by creditors at the meeting overrides that wrtten in the proposal. It is pretty much standard in a 6 year IVA to extend again for equity release purposes. The first modification was to increase dividend and the further extension to compensate for non-release of ...
by Foggy
Thu Apr 26, 2018 6:54 am
Forum: Ask IVA Forum and Industry experts
Topic: Divorce settlement during IVA
Replies: 16
Views: 4948
I am sorry, but I cannot understand what the problem is from Creditfix's point of view. They and their solicitor are making everything unnecessarily complicated ! Your inability to speak to your IP is completely unreasonable (and not due to him being "too busy", but due to the firm taking ...
by Foggy
Thu Apr 26, 2018 6:48 am
Forum: Ask IVA Forum and Industry experts
Topic: I own 40% of my house, can I gift it to my daughter?
Replies: 2
Views: 426
No. Your share is an asset of the IVA until such time as the equity release aspects are dealt with.
by Foggy
Wed Apr 25, 2018 6:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Foggy
Replies: 11
Views: 1719
Yea I have it on my phone I suppose it is just the feeling of being welcomed back into the mainstream... silly really Not so silly really. Most of us do not want credit when we end the IVA, but we still crave the "normality" of a clean credit record. We still want a credit card -- again, ...
by Foggy
Wed Apr 25, 2018 2:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: Knightsbridge
Replies: 7
Views: 634
Knightsbridge have allowed ex to claim expenditure of £200 A MONTH for an extra car for his wife! she has not long passed her test, doesn’t work and is a short walk from school. Surely this is not included in CFT and should be money for creditors. The extra £200 a month would be nearly enough to re...
by Foggy
Wed Apr 25, 2018 2:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: Foggy
Replies: 11
Views: 1719
Yea the new card is for my cashminder, nothing wrong with the account just wanted to be a bit more “normal” I've been running a Cashmider acccount since my IVA, mine isn't a contactless card either. However, I set up Samsung Pay on my phone and it's great. Just hold the phone to the card reader and...
by Foggy
Wed Apr 25, 2018 1:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Received Payplan Completion Letter in under 6 weeks of completion....shocked!!
Replies: 6
Views: 615
Congratulations, well done ... and well done to Payplan too !

Onward and Upward !
Search found 25629 matches Page 1 of 1709