Search found 25593 matches

Search found 25593 matches Page 1 of 1707
by Foggy
Tue Apr 24, 2018 12:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help with IVA completion certificate
Replies: 8
Views: 389
I would consider making a complaint regardless: https://www.gov.uk/complain-about-insolvency-practitioner Thank you for you reply Lisa. Yeah we are going to complain on the gov website no matter what as we have waited more than enough now and not getting anywhere. Do you know what the letters are u...
by Foggy
Tue Apr 24, 2018 11:45 am
Forum: Ask IVA Forum and Industry experts
Topic: What will happen to my money I gave Debt Free Direct towards IVA?
Replies: 2
Views: 58
Aperture bought the DFD caseload and the IVA will continue as normal with them ... the money you have paid in so far will have either been passed to creditors or transferred with the case to the new IP.
by Foggy
Tue Apr 24, 2018 9:39 am
Forum: Ask IVA Forum and Industry experts
Topic: Sorting credit files!
Replies: 3
Views: 73
Debtfreesoon wrote:
Thanks for that!
Just to clarify am I able to ask for them to remove the notice of correction now or do I have to wait for the 6yr point and then write to them?


An NoC has no time limits and you can ask for it to be removed now.
by Foggy
Tue Apr 24, 2018 9:05 am
Forum: Ask IVA Forum and Industry experts
Topic: Sorting credit files!
Replies: 3
Views: 73
Have a read here -- it will answer those questions :-)

https://www.iva.co.uk/what-does-an-iva- ... dit-record
by Foggy
Tue Apr 24, 2018 6:45 am
Forum: full and final settlements
Topic: F&F offer
Replies: 1
Views: 227
Requirements vary from firm to firm. Usually they require sight of a recent statement showing the funds are in their account. Under money laundering regulations they might also need proof of ID and address.
by Foggy
Tue Apr 24, 2018 6:42 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA completed last year. I am trying to arrange a mortgage.
Replies: 1
Views: 156
I would suggest a chat with Ryan and / or Shaun, both whole of market brokers with experience of adverse credit. "Specialist" lenders will charge a premium rate which, over time, will cost far more than a broker. Contact details via their profiles: Ryan: https://www.iva.co.uk/forum/memberl...
by Foggy
Mon Apr 23, 2018 7:08 pm
Forum: thinking of making your first post ?
Topic: Stressed, embarassed and a failure
Replies: 9
Views: 403
Get yourself a copy of Keith's IVA Survival Guide ( see banner at the top of the page) -- real life stories from many of us about life in an IVA. Waiting to see what happens for the next 10 years isn't really an option if you sit and think about it. You need to be the one to take control, rather tha...
by Foggy
Mon Apr 23, 2018 6:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help with IVA completion certificate
Replies: 8
Views: 389
Give them a ring and ask who your IP is since the change over.
by Foggy
Mon Apr 23, 2018 4:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Catalogue on an IVA
Replies: 5
Views: 421
es47 wrote:
Lisa Thomas wrote:
Why are you asking about PPI - does your IVA state that you will submit claims or is your IP supposed to?

My IVA company only asked about PPI on credit cards not catalogues


PPI is PPI regardless of source.
by Foggy
Mon Apr 23, 2018 4:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help with IVA completion certificate
Replies: 8
Views: 389
As Kallis says keep pressing them. I would not make mention of the house sale as the fact that this has taken a year or so is enough to base a complaint on and you need not be opening any cans of worms. Write direct to the IP by recorded delivery (keeping copies) to make a formal complaint, then you...
by Foggy
Mon Apr 23, 2018 12:48 pm
Forum: thinking of making your first post ?
Topic: Stressed, embarassed and a failure
Replies: 9
Views: 403
McCambridge Duffy are a well respected firm who do handle IVA's fairly, although I would contact them directly and speak to them, get a feel for them. Contact details here: https://www.iva.co.uk/forum/memberlist.php?mode=viewprofile&u=8021 You will only lose the bank account if your bank is one ...
by Foggy
Mon Apr 23, 2018 12:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Pay rise due 4th may
Replies: 7
Views: 758
ashbock123 wrote:
Thanks foggy will check that when get home might be more than that before tax and national insurance is taken off



The important figure is what you end up with in your pocket, after Tax and NI.
by Foggy
Mon Apr 23, 2018 12:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: Catalogue on an IVA
Replies: 5
Views: 421
Hi, I have catalogue on my IVA. When I contacted them recently to find out if I had PPI, they say they cant find an account for me They could well have binned the old account as a write off ... they would probably look harder if you owed them the money ! Have you got details of the old account ? If...
by Foggy
Mon Apr 23, 2018 11:30 am
Forum: Ask IVA Forum and Industry experts
Topic: Pay rise due 4th may
Replies: 7
Views: 758
If they treat the back pay as a windfall, which they can interpret as such, then they should not increase your IVA payment until after the next review. If the back pay is under £500 and you have the usual windfall clause you should be able to keep that as well.
by Foggy
Mon Apr 23, 2018 6:52 am
Forum: Ask IVA Forum and Industry experts
Topic: Can we get a mortgage after the IVA?
Replies: 2
Views: 475
Many forum members have managed to get mortgages after the credit files have cleared. Success depends on the amound of deposit you can muster, as well as the normal lending criteria, and asking the right lenders. This is were a broker with experience in adverse credit applications is useful and I wo...
Search found 25593 matches Page 1 of 1707