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by Foggy
Fri Jul 01, 2022 6:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA monthly payment not taken, IVA due to end
Replies: 3
Views: 1151

Indeed reviews are not good. With all the changes it is possible that your arrangement has 'slipped down the back of a filing cabinet' and it would be sensible to have a word with them. Best of luck.
by Foggy
Fri Jul 01, 2022 7:31 am
Forum: tips for IVA success
Topic: Experian Credit Report
Replies: 17
Views: 3987

Payplan used to be up there, among the faster firms. But, since they reorganised internally and then were hit by Covid before that change had bedded in, they do seem to have slowed down lately ! Not what you want to hear, but, as you say, while the IVA is on your credit reference files, your credit ...
by Foggy
Fri Jul 01, 2022 7:25 am
Forum: Ask IVA Forum and Industry experts
Topic: When it end
Replies: 6
Views: 1178

No, nothing springs to mind regarding this particular firm --- which is actually a good thing, in a way. It means that no-one has complained about them much :)
by Foggy
Thu Jun 30, 2022 1:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: When it end
Replies: 6
Views: 1178

It varies from firm to firm. Some are very thorough and some barely look at all. Time-wise, again, some firms will take the 6 months to get everything wrapped up, whilst some manage it all within a couple of months. But you can use the time to get everything as straight as possible.
by Foggy
Thu Jun 30, 2022 6:48 am
Forum: Ask IVA Forum and Industry experts
Topic: When it end
Replies: 6
Views: 1178

When your last payment is made in September 2023, your IP will review the final 12 months to check for any missed extra income. Then they will look back over the whole term to dot the i's and cross the t's and make final payments to creditors. When they are happy they will issue the completion certi...
by Foggy
Wed Jun 29, 2022 8:01 pm
Forum: tips for IVA success
Topic: Experian Credit Report
Replies: 17
Views: 3987

Does the IVA stay on a year after completion? I would be looking to write and clear my credit reports (I assume this would be to each individual organisation), but I was thinking it may be easier to wait for a lot to drop off. Most of my defaults seemed to happen after the IVA, but a couple were be...
by Foggy
Wed Jun 29, 2022 5:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors statements/arrears notices
Replies: 3
Views: 1170

Creditors are obliged to issue statements on accounts, but often suppress these once an IVA has been put in place. Until such time as the IVA successfully concludes the loans still exist. However, on completion, the loans are legally written off and there will be nothing from which to issue accounts...
by Foggy
Mon Jun 27, 2022 1:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: Moving Home
Replies: 49
Views: 1144

From that wording I suspect that she is trying to add some leverage and encourage them to accept. The word "likely" gives her room to carry on the IVA if the offer is refused, whilst emphasising the wisdom of creditors accepting the offer.
by Foggy
Mon Jun 27, 2022 10:27 am
Forum: Ask IVA Forum and Industry experts
Topic: Moving Home
Replies: 49
Views: 1144

Usually, if a F&F is refused, the IVA is allowed to continue on it's merry way, as before. However, if the terms of the offer are such that you say, or imply, that you are making the f&F because you cannot afford to continue the agreed repayments then the natural progression, if the offer is refused...
by Foggy
Fri Jun 24, 2022 8:13 am
Forum: self employed and company/business
Topic: Starting my own company
Replies: 8
Views: 483

GiovannaCopeland --- An IVA is an Individual Voluntary Arrangement for the purposes of repaying debt. It has nothing to to with VAT or any other retail / business deduction.
by Foggy
Thu Jun 23, 2022 8:02 am
Forum: Meet the experts
Topic: taking loans while IVA without practitioner permition
Replies: 2
Views: 185

It will depend on whether these loans are discovered by your IP at review and, then, will depend on the circumstances and the attitude of your IP. More importantly is why you needed to take these loans on. As you are, it seems, taking regular loans, there could be an issue that should be sorted out ...
by Foggy
Wed Jun 22, 2022 8:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: New to IVA and forum
Replies: 182
Views: 28903

Getting accepted by the likes of Vanquis is far from simple ... not only do they look at your credit records, but, rumour has it, it depends on the timing and where they are in regard to their own internal targets. Best to leave it for a while before trying again.
by Foggy
Wed Jun 22, 2022 6:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: New to IVA and forum
Replies: 182
Views: 28903

Congratulations Kitty !! You are going into this cost of living crisis far stronger than you were before the IVA. Remember the lessons and buckle up for the ride !

Onwards and Upwards ! :D
by Foggy
Wed Jun 22, 2022 1:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Iva completion certificate
Replies: 7
Views: 261

Congratulations, Lisa. Have a read here ... https://www.iva.co.uk/what-does-an-iva-do-to-your-credit-record When I finished my IVA everything was done automatically, but, these days, some IPs suggest you send copies to reference agencies yourself ---- which, to be honest, is a waste of time because ...
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