Search found 26541 matches

Search found 26541 matches Page 1 of 1770
by Foggy
Thu Aug 16, 2018 11:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit limit increase
Replies: 12
Views: 386
Sounds like a good plan...the loan won't show on your profile until after it is completed but, with a fair wind now that Creditfix are able to proceed with the creditors meeting, that should be soon and your IVA will be history. If you'd like to send me a private message with your details on I can ...
by Foggy
Thu Aug 16, 2018 11:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit File Clean Up Post-IVA
Replies: 2
Views: 81
Most of the answers are here: https://www.iva.co.uk/what-does-an-iva-do-to-your-credit-record The info appearing in your online reports through the likes of Noddle and Clearscore can be a couple of months out of synch. They cannot chase you for any more -- the debt has been legally written off. The ...
by Foggy
Thu Aug 16, 2018 4:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA rejected what are my options
Replies: 12
Views: 334
You submitted the original proposal and the meeting was then adjourned several times, while CF tried to get more creditors to vote positively --- they failed and, as I understand it, a creditors meeting can only be adjourned a set number of times. This has happened and they are suggesting submitting...
by Foggy
Thu Aug 16, 2018 3:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA rejected what are my options
Replies: 12
Views: 334
Another of CF's failings is communication ... you might need to call them. just had a call from cf...they want me to re submit the proposal as they've said there wasnt enough support for it to go forwards,when i pushed they said it was lack of voters...not sure what to do now. Ask them for the Chai...
by Foggy
Thu Aug 16, 2018 3:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA rejected what are my options
Replies: 12
Views: 334
Another of CF's failings is communication ... you might need to call them.
by Foggy
Thu Aug 16, 2018 1:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA rejected what are my options
Replies: 12
Views: 334
Have CF told you why it was rejected ? If you are looking at a DMP I would suggest one of the "charity" firms like Payplan or Stepchange, as they do not charge fees on DMPs, being funded by the banks.
by Foggy
Thu Aug 16, 2018 1:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA rejected what are my options
Replies: 12
Views: 334
If you mean the creditors rejected it at the initial meeting you can look right away. If the IVA has failed you will need to wait for the termination notice from the IP.
by Foggy
Thu Aug 16, 2018 12:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bank account
Replies: 23
Views: 575
I assume that you are looking at reports on Noddle and Clearscore --- I would get statutory reports direct from each of the three agencies at a couple of quid a pop. They may differ !
by Foggy
Thu Aug 16, 2018 9:09 am
Forum: Ask IVA Forum and Industry experts
Topic: RBS
Replies: 48
Views: 2453
It does annoy me that RBS continue to shirk their responsibilities toward their illegal PPI practices, by illegally offsetting refunds against former IVA protected debts. I think IP's, or the industry as a whole, should be having a conversation with the Ombudsman about this ! Offsetting a debt is n...
by Foggy
Thu Aug 16, 2018 8:55 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit limit increase
Replies: 12
Views: 386
My experience was that the first card I got (Vanquis) which started out at £250 limit and crept up in stages to £1500, didn't do a lot ... the agencies saying the low credit limit was a hinderance to a good score. So, after the IVA had cleared. I applied to a Post Office card (£1600, where it has st...
by Foggy
Thu Aug 16, 2018 8:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Best mortgage lender for RTB post IVA
Replies: 6
Views: 354
I would suggest having a chat with either Ryan : https://www.iva.co.uk/forum/memberlist.php?mode=viewprofile&u=18488 or Shaun: https://www.iva.co.uk/forum/memberlist.php?mode=viewprofile&u=22837 Both are whole of market brokers with considerable experience in adverse credit applications and ...
by Foggy
Wed Aug 15, 2018 8:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bank account
Replies: 23
Views: 575
I have found, over the years, that the computer often says "No" and human intervention then brings a "Yes" ! Maybe an appeal would bring about that intervention.
by Foggy
Wed Aug 15, 2018 8:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bank account
Replies: 23
Views: 575
I have just been turned down for a current account by co-op :cry: Anyone have any idea why? All my credit files are ok as you onow I just got a new car? I tried ringing them to discuss before i applied but they told me to do it online No idea why -- but, if the ran a search on you, although they ar...
by Foggy
Wed Aug 15, 2018 8:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F!
Replies: 6
Views: 488
If you are not a homeowner there is no reason they can use to increase the term as long as, as you say, all payments have been made correctly over the term. As for the F&F, with 8 months left you aill not be saving much. It usually takes 2 months to put an offer together, and sometimes up to 6 i...
by Foggy
Wed Aug 15, 2018 4:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Looking for a company to ask advice
Replies: 14
Views: 1199
Many of us used the Co-Op Cashminder accounts in our IVAs with no issues.
Search found 26541 matches Page 1 of 1770