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Search found 26086 matches Page 1 of 1740
by Foggy
Thu Jun 21, 2018 6:36 am
Forum: a success story
Topic: Completion Certificate is here!!
Replies: 3
Views: 139
Getting the debtor to do this seems to be the new thing with several insolvency firms, although technically it shouldn't be needed as the "system" should take care of it. However, it is advisable, as Luluj says, to check the basics -- are the default dates all correct (indeed, are all the ...
by Foggy
Thu Jun 21, 2018 6:29 am
Forum: Ask IVA Forum and Industry experts
Topic: Inaccurate IVA report
Replies: 1
Views: 21
Challenge it with your IP and ask for the statement to be amended to reflect the facts.
by Foggy
Wed Jun 20, 2018 8:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: Time, acceptance rates...
Replies: 3
Views: 180
Welcome. I think the majority of us felt awkward at missing payments just prior to the creditors meeting, but many of us did it anyway to create a small contingency fund. It will not affect the voting and, if the IVA is accepted, would be money down the drain. We get very few refusals these days (al...
by Foggy
Wed Jun 20, 2018 5:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is a home insurance claim classed as a windfall?
Replies: 2
Views: 250
I would say that if the money is used for it's intended purpose -- ie repair & replacement, it is not a windfall. However, you IP might have other ideas and you should run it past him or her first.
by Foggy
Wed Jun 20, 2018 4:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Selling a house whilst in an IVA
Replies: 5
Views: 362
Don't let on at the need to sell ..... you are willing to sell only if creditors accept the offer. :wink:
by Foggy
Wed Jun 20, 2018 4:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditfix I +e review form
Replies: 3
Views: 254
My guess would be that these particular categories tend to fluctuate more than most.
by Foggy
Wed Jun 20, 2018 4:15 pm
Forum: a success story
Topic: Seven years on......
Replies: 6
Views: 261
Great to hear that the IVA habits have stuck (as they have with me!) and that all is going swimmingly. Thank you for sharing.
by Foggy
Wed Jun 20, 2018 10:48 am
Forum: Ask IVA Forum and Industry experts
Topic: Selling a house whilst in an IVA
Replies: 5
Views: 362
I am currently in an IVA and selling my house can you please tell me how much I have to pay back, will it be what I owe on the IVA or the original debt? You will have to pay whatever amount takes you up to covering the full original debt, plus fees and possible statutory interest. Alternatively you...
by Foggy
Wed Jun 20, 2018 8:21 am
Forum: Ask IVA Forum and Industry experts
Topic: Is this anything to do with PPI
Replies: 3
Views: 648
As Lisa says, the deed you have hold of is probably the one that assigns the insurance benefits to the mortgage lender in the event of a claim. But, as I say, there might have been an element of PPI charged.
by Foggy
Wed Jun 20, 2018 6:51 am
Forum: Ask IVA Forum and Industry experts
Topic: What proof will be required to show that I can't remortgage
Replies: 4
Views: 557
I'm considering taken out an I'VE due to the amount of debt but I'm concerned about having to mortgage near the end of the IVA. What proof do you require to prevent remortgaging to release equity. I think I would struggle to re mortgage but I don't want to be worrying for 5 years and then I'm force...
by Foggy
Tue Jun 19, 2018 5:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Advice on 6th year IVA
Replies: 11
Views: 1727
Hi Lisa thanks for your response .Sorry but could you just clarify what you mean please? If we were any good at understanding this stuff we probably wouldnt be in this mess! Thankyou In a nutshell: if the amount of equity your wife has is less than £5k the equity release clause doesn't kick in. In ...
by Foggy
Tue Jun 19, 2018 4:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: Advice on 6th year IVA
Replies: 11
Views: 1727
Have you had a recent valuation and redemption figure from any secured creditors to establish whether your wife's share of equity is above the standard minimum (35k)? If you can challenge Creditfox's calculation of equity the extension may not apply. Hi Lisa thanks for your response .Sorry but coul...
by Foggy
Tue Jun 19, 2018 3:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is this anything to do with PPI
Replies: 3
Views: 648
Couldn't tell you without seeing it but it is possible that there might be PPI involved.
by Foggy
Tue Jun 19, 2018 3:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit file record after IVA
Replies: 3
Views: 602
Have a read here:

https://www.iva.co.uk/what-does-an-iva- ... dit-record

Each account will only have one default -- it is simply being reported every month and will disappear on it's 6th anniversary, which should also be the time the IVA goes, assuming everything is correctly dated.
by Foggy
Tue Jun 19, 2018 12:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: No contact from Aperture about IVA closure
Replies: 3
Views: 4118
To make a complaint you have to go though their internal complaints procedure, as detailed on their website. If no joy / response to this you can escalate the complaint to their regulators via the government gateway here: https://www.gov.uk/complain-about-insolvency-practitioner As for getting throu...
Search found 26086 matches Page 1 of 1740