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Search found 27694 matches Page 1 of 1847
by Foggy
Wed Jan 16, 2019 12:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is an IVA a possibility with all these complications
Replies: 9
Views: 524
GDP Equity Experts wrote:
Apologies, my mistake didn't realise I couldn't include my email.

Can you please advise if and/or how I can become a forum expert?



Have a look here: https://www.iva.co.uk/sponsorship

Then use this contact form: https://www.iva.co.uk/contact
by Foggy
Wed Jan 16, 2019 10:19 am
Forum: Ask IVA Forum and Industry experts
Topic: Why is my name still on the insolvency register?
Replies: 9
Views: 441
anthony wrote:
Great news, one day after posting on here and contacting the register direct my name has been removed :-)
Thanks for all the help and advice guys (and Gals) keep up the great work.


Good to hear -- onward and upward :-)
by Foggy
Wed Jan 16, 2019 10:13 am
Forum: Ask IVA Forum and Industry experts
Topic: Payment break
Replies: 9
Views: 2213
The tax debt for the whole year ended April 2018 will be included as an unsecured creditor in your IVA. You will then need to pay for tax from 6th April 2018. The problem is now you are expected to pay half of next years tax bill (based on current years figures) up front at the end of January and t...
by Foggy
Wed Jan 16, 2019 9:47 am
Forum: Ask IVA Forum and Industry experts
Topic: Payment break
Replies: 9
Views: 2213
They might approve via email or phone -- but ask for it in writing ( just in case) as well. The only reason it takes so long to approve are internal processes and workload. Some firms have an IP overseeing a few hundred caes andd some have them overseeing thousands !!
by Foggy
Wed Jan 16, 2019 7:45 am
Forum: Ask IVA Forum and Industry experts
Topic: Has my IVA finished?
Replies: 3
Views: 297
Try speaking directly to the remortgaging company for an update.
by Foggy
Wed Jan 16, 2019 7:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I sell my house whilst waiting for completion certificate?
Replies: 5
Views: 269
It is possible, but not advisable. IF the sale completed before the certificate was issued the proceeds could be drawn into the IVA. Also, as Luluj mentions the restiction on the title would also frighten off any prospective purchasers.
by Foggy
Tue Jan 15, 2019 9:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Wife looking for work
Replies: 6
Views: 357
About £28000 at £90 a month via step change OK -- Stepchange do not usually take the spouses earnings into the IVA payment, but I can see why they have done so here. You are right at the bottom end of a viable payment. However, they cannot force the wife to work and by looking you are doing what wa...
by Foggy
Tue Jan 15, 2019 9:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: Wife looking for work
Replies: 6
Views: 357
They cannot cancel if you are complying with the clause -- i.e. she IS looking. I would argue that the original clause in that she must find work is unreasonable. Considering the time devoted to the school runs and the possible need for childcare, it could, possibly, cost you more than she would ear...
by Foggy
Tue Jan 15, 2019 7:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Wife looking for work
Replies: 6
Views: 357
What exactly does the clause say ? If you have agreed that she would look for work -- and she is looking -- you have complied. They cannot change the rules part way through. You will, however, have to at least keep them in the picture.
by Foggy
Tue Jan 15, 2019 5:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is there a way I can find out who was included in a old IVA?
Replies: 4
Views: 420
Hi am new to the forum and wondering if anyone can help me. I’m 3 years into an IVA with Unity and I have had an email from them today saying that a company Max recovery has sent them a notice saying I’ve have an outstanding balance of £4985 with Natwest from 2012 and another £30,628 from another t...
by Foggy
Tue Jan 15, 2019 5:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I stop my IVA and go Bankrupt?
Replies: 3
Views: 413
As Kallis asks --- why ?? If you go bankrupt, there is every likelyhood that you will be making payments at a similar level, or higher ( I hear they are not as generous with their allowances) for the next three years, so will have saved nothing. Additionally, you would be resetting the clock on your...
by Foggy
Tue Jan 15, 2019 5:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA company want me to pay £6000, what can I do
Replies: 2
Views: 444
Do you agree that this amount is payable ? What is it in respect of ?
by Foggy
Tue Jan 15, 2019 5:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will our IVA fail or be extended?
Replies: 4
Views: 441
The breach is not entirely your own fault. Payplan should have chased up missing reviews, rather than soldier on to the end. So, although, yes, you are at fault -- the fault isn't entirely yours. Given that they share some of the blame for this situation and have been shirking their statutory respo...
by Foggy
Tue Jan 15, 2019 3:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will our IVA fail or be extended?
Replies: 4
Views: 441
The breach is not entirely your own fault. Payplan should have chased up missing reviews, rather than soldier on to the end. So, although, yes, you are at fault -- the fault isn't entirely yours. Given that they share some of the blame for this situation and have been shirking their statutory respon...
by Foggy
Tue Jan 15, 2019 11:28 am
Forum: Ask IVA Forum and Industry experts
Topic: Does PPI go to IVA company if IVA completed 4 years ago?
Replies: 1
Views: 444
Yes. By virtue of recent court cases confirming the situation, PPI remains an asset of the PPI even after completion of the arrangement. It could be that your former IP decides that they have no interest in the refund in which case it will be returned to you. This sometimes happens if the IP conside...
Search found 27694 matches Page 1 of 1847