Search found 26116 matches

Search found 26116 matches Page 1 of 1742
by Foggy
Mon Jun 25, 2018 3:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: IPs late anniversary report
Replies: 1
Views: 112
Standard terms and conditions state a time window for reviews .... the IP will only be bound by them if they use those terms and conditions, most do, some don't. Challenge the report and ask for it to be corrected. I am afraid the only recourse you have is a formal complaint to your IP which can the...
by Foggy
Mon Jun 25, 2018 10:25 am
Forum: Ask IVA Forum and Industry experts
Topic: Last payment made
Replies: 3
Views: 191
Well done on making that final payment. Once you have that certificate in your hands then you are free of the IVA (PPI excepted). Keep it safe !
by Foggy
Sun Jun 24, 2018 7:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Has anyone had success for F&F in the first year?
Replies: 4
Views: 416
Is there anyway I would be able to find out if they voted no for the IVA? Thank you for your response, just having a glimmer of hope is a massive help Those that voted and the way they voted should be listed in the Chairman's Report of the initial meeting. You should have been sent a copy soon afte...
by Foggy
Sun Jun 24, 2018 7:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: Has anyone had success for F&F in the first year?
Replies: 4
Views: 416
I would imagine the one that rejected also voted against the IVA in the first place and is just having another go! They were out voted then and CF are working to get them out voted again ( all guesswork on my part). By accepting a F&F now, for the full amount they would have got over the next fe...
by Foggy
Sun Jun 24, 2018 5:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit reference information
Replies: 3
Views: 390
Records will take a few months to catch up and settle down. The default date should be amended to the start date of the IVA, unless you are not going to quibble over a couple of months at the end of the term.
by Foggy
Sun Jun 24, 2018 1:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: My budget has 3 elements
Replies: 1
Views: 482
Payplan is one of the very few firms that take a spousal income into the IVA to form part of the disposable income --- but, having done so they should reflect reductions in one income stream against gains in another and base the payment on any net increase. However they do have tendency to do things...
by Foggy
Sun Jun 24, 2018 1:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage help
Replies: 10
Views: 508
Have a word with Ryan and / or Shaun, both whole of market brokers with experience in adverse credit applications. As you surmise -- it all depends on how they ask that question and knowing who asks it in which way ! Ryans detaisl can be found here: https://www.iva.co.uk/forum/memberlist.php?mode=vi...
by Foggy
Sun Jun 24, 2018 10:36 am
Forum: Ask IVA Forum and Industry experts
Topic: Stressed and at a loss
Replies: 4
Views: 543
Hopefully you have kept evidence of the agreement to temporarily reduce the amount to be paid, pending the outcome of the variation. I imagine this has ben overlooked by the admin clerk pushing the buttons at their office. Give them a call and ask for the money they have taken without authorisation ...
by Foggy
Sun Jun 24, 2018 8:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Gift from a family member
Replies: 1
Views: 632
Modest family gifts are usually OK as long as you can provide evidence of the source if questioned. Chances are it won't be noticed. In the future I would ask that your mum settles anything like this direct or in cash. When you move in with your partner treat it as though you are house sharing and y...
by Foggy
Sat Jun 23, 2018 9:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Ppi claim many years after my iva completed.
Replies: 2
Views: 656
Any PPI recovered after the end of your IVA stil; belongs to your creditors. However, your former IP might deem it uneconomical to reopen old files and re-contact former creditors for distribution of funds, in which case they would allow you to keep the refund. If the refund is beimg made by a forme...
by Foggy
Sat Jun 23, 2018 8:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: Northridge HP
Replies: 1
Views: 664
This is a pretty standard clause in these agreements, they are not always acted upon as you will be maintaining the payments. However some companies have been known to terminate agreements in these circumstances. I cannot tell you which way yours will go ... sorry.
by Foggy
Sat Jun 23, 2018 4:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting (Credit Fix) adjourned 4 times
Replies: 16
Views: 1126
The likelihood the issue is to do with their proposed charges. I’m so clueless, what does this mean? Can this be rectified? Charges are queried at nearly every meeting and are usually sorted at the time. CF do tend to try to charge more than most, and might not back down so easily. At the end of th...
by Foggy
Sat Jun 23, 2018 12:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting (Credit Fix) adjourned 4 times
Replies: 16
Views: 1126
I am having exactly the same issues with Creditfix at present and now on the fourth adjournment of variations meetings in relation to my proposal to close my IVA with available equity. Reasons given have been vague and lacking in any meaningful explanation. If the proposal had been accepted at the ...
by Foggy
Sat Jun 23, 2018 11:35 am
Forum: Ask IVA Forum and Industry experts
Topic: Variation meetings adjourned
Replies: 1
Views: 784
Creditfix's new M.O I am afraid. See here: f-f-meeting-credit-fix-adjourned-4-times-t85501 and here: f-f-meeting-tomorrow-t85473
by Foggy
Sat Jun 23, 2018 10:58 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting (Credit Fix) adjourned 4 times
Replies: 16
Views: 1126
The paperwork layout and procedure for the majority of cases has been pre-agreed by creditors for those firms who use Protocol or R3 terms. This was to make the system more uniform and faster to process the applications. It would seem that CF are trying to depart from the "norm" and set up...
Search found 26116 matches Page 1 of 1742