Search found 26319 matches

Search found 26319 matches Page 1 of 1755
by Foggy
Sat Jul 21, 2018 8:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: Payday loans while in an IVA
Replies: 18
Views: 1032
Can You please tell what happen normally when I fail my IVA because of taking payday loans and have a bit bigger income? What they can do? Basically I would like to know what I can expect. No-one can tell you -- if the IVA fails the creditors will decide what they want to do about it. They could ma...
by Foggy
Sat Jul 21, 2018 6:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: £19k repaid on a £10k debt?
Replies: 4
Views: 150
Hi Foggy, Thanks for your reply. My friend said there was no mention of how much the fees would be to the IVA providers, in terms of a stated amount, i.e, total fees £3,000 for running the debt, for example. It said something about a % on the first review, but gave no indication it would amount to ...
by Foggy
Sat Jul 21, 2018 4:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: £19k repaid on a £10k debt?
Replies: 4
Views: 150
Seeking advice for a friend. My friend has an IVA for a debt of £10,000 over 5 years. When it started, the cost was £100 p/m, but has now increased to £600 p/m. Just over 4 years in, near £13,000 has been paid, and the debt cleared, but the IVA say payments must continue for the full 5 years, which...
by Foggy
Sat Jul 21, 2018 8:45 am
Forum: pets corner
Topic: Fleece dog toys
Replies: 1
Views: 234
At the weekend I acquired a large bag of fleece offcuts, which I'll be turning into mouse ropes. However there's so much that I can use some of it to make some dog toys too I've never made any fleece dog toys before though - does anyone have any suggestions of what? The bigs are all long narrow str...
by Foggy
Sat Jul 21, 2018 8:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Getting hold of Aperture
Replies: 2
Views: 276
From experience of Aperture you will not find it easy to get them to issue such a letter as they are usually pretty hot on collecting all PPI for the creditors. I would suggest a letter, sent by recorded delivery, direct to the IP (so you will know it has been received).
by Foggy
Sat Jul 21, 2018 8:38 am
Forum: Ask IVA Forum and Industry experts
Topic: Opting out
Replies: 2
Views: 293
As Kallis says, you will each have your own IVA, but they have been made "interlocking" --- treated as one. They can be seperated and each can continue on their own, with each of you making your own payments. To be honest, I am surprised that an IVA was even proposed at the start for such ...
by Foggy
Sat Jul 21, 2018 8:36 am
Forum: Ask IVA Forum and Industry experts
Topic: Payday loans while in an IVA
Replies: 18
Views: 1032
The current IVA might not be failed, so don't panic yet. You can apply for a new one, but you would have to explain why this one failed and convince everyone that it would not happen again ... not an easy thing to do in the circumstances.
by Foggy
Sat Jul 21, 2018 8:33 am
Forum: Ask IVA Forum and Industry experts
Topic: Letter from bank
Replies: 4
Views: 293
Pass the letter on to your IP to deal with --- the bank are spouting rubbish. Have you opened an account with a new bank ?
by Foggy
Fri Jul 20, 2018 6:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: PPI claims post IVA completion
Replies: 4
Views: 540
Thank you for your reply. Yeah I was a little bit shocked that they emailed to say they have posted the letter today so fingers crossed it arrives. Surprised they didn’t ask for me to provide any PPI details as I know a friend couldn’t get their completion certificate unless they signed someone to ...
by Foggy
Fri Jul 20, 2018 3:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: PPI claims post IVA completion
Replies: 4
Views: 540
The PPI belongs to the IVA Trust, even in a closed arrangement. However, some IP's are simply not interested and some will only deal with it if the sum is large enough to justify the cost of digging out the old records and re-contacting the creditors, with all the hassle that entails. Of course a fe...
by Foggy
Fri Jul 20, 2018 12:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: 3 years after IVA completion
Replies: 3
Views: 559
Yes this is correct. PPI still belongs to the IVA and your creditors. So far we are unaware of what action could or would be taken for non-compliance but, in theory, they could apply to the courts for the IVA to be cancelled. I would engage with Equity in Finance and first ask them to confirm and pr...
by Foggy
Fri Jul 20, 2018 11:39 am
Forum: Ask IVA Forum and Industry experts
Topic: Does an IVA count as a CCJ?
Replies: 2
Views: 557
I have applied to rent a house and they are doing credit checks on me they said that their only concern is a CCJ I do have an IVA and was wondering if it counts as a CCJ or not An IVA is not a CCJ but appears in the same section on a credit report. You might need to explain to them what an IVA is a...
by Foggy
Fri Jul 20, 2018 8:24 am
Forum: Ask IVA Forum and Industry experts
Topic: How do I find out who my IVA was with
Replies: 1
Views: 553
The Insolvency Service may have archived records or bank statements from around the time might show up a likely payee.

Other than that -- are there any details you can recall which might give us a clue ?
by Foggy
Fri Jul 20, 2018 8:22 am
Forum: Complaints procedure
Topic: Aperture
Replies: 5
Views: 3303
My last payment was January 2016. I have sent 5 emails and not had one response from them . I have called and got cut off . Does this normally happen to people who have finished paying their iva ? Is there anyone on this forum using them and still in contact with them I’m thinking they have closed ...
by Foggy
Thu Jul 19, 2018 8:35 pm
Forum: Watch tv.iva.co.uk the dedicated IVA TV Channel
Topic: Mortgage debt query
Replies: 1
Views: 674
The solicitor will be dealing with this and will produce an account in due course. These things take time to filter through the system. Once it has gone through the lenders systems it will show as closed right away on credit searches the lenders make, but will not show on the online versions for up ...
Search found 26319 matches Page 1 of 1755