Search found 27058 matches

Search found 27058 matches Page 1 of 1804
by Foggy
Tue Oct 16, 2018 1:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Default notice received before IVA meeting of creditors
Replies: 2
Views: 26
Pass this to your IP who will deal with it for you.
by Foggy
Tue Oct 16, 2018 12:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Freeman Jones Awful Service
Replies: 2
Views: 51
I am afraid that this is a common theme when cases have been transferred from one firm to another -- partly down to, as you say, under resourcing the transfer, but also down to unforseen matters such as the state of the transferred files and compatability issues with software (old paper files might ...
by Foggy
Tue Oct 16, 2018 10:47 am
Forum: Ask IVA Forum and Industry experts
Topic: No contact from IVA company
Replies: 14
Views: 146
Ian Williams from Freeman Jones often steps in for forum members and gets things sorted --- If you drop an email to ian.williams at FreemanJones.com I am sure he will be in touch.
by Foggy
Tue Oct 16, 2018 10:44 am
Forum: Ask IVA Forum and Industry experts
Topic: No contact from IVA company
Replies: 14
Views: 146
First, you should have not stopped payments without the agreement of your IP. The equity situation should have been addressed at month 54 and, in the absence of any action by your IP, it is your responsibility to have carried out what was agreed in your proposal --- if the IP fails to respond, at l...
by Foggy
Tue Oct 16, 2018 10:00 am
Forum: Ask IVA Forum and Industry experts
Topic: No contact from IVA company
Replies: 14
Views: 146
First, you should have not stopped payments without the agreement of your IP. The equity situation should have been addressed at month 54 and, in the absence of any action by your IP, it is your responsibility to have carried out what was agreed in your proposal --- if the IP fails to respond, at le...
by Foggy
Tue Oct 16, 2018 9:18 am
Forum: Ask IVA Forum and Industry experts
Topic: Still no completion certificate
Replies: 7
Views: 5533
stanley2018 wrote:
should be a maximum one month closure time frame allowed for the iva firms to complete iva's.


6 months is already built into the proposal as standard .... we have campaigned for better defined and shorter closure times in the past, but support is thin on the ground.
by Foggy
Tue Oct 16, 2018 8:37 am
Forum: Ask IVA Forum and Industry experts
Topic: Wrong default date
Replies: 4
Views: 290
Rather than start a new thread I thought I would ask here. When a default date needs correcting who would we send the letter to, the original creditor or the company the debt has been sold to? EG On Experian and Equifax Barclaycard show as a creditor with an incorrect default date. On Callcredit th...
by Foggy
Tue Oct 16, 2018 8:34 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA declined due to too much equity
Replies: 9
Views: 3713
Topics merged.
by Foggy
Tue Oct 16, 2018 8:32 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA declined due to too much equity
Replies: 9
Views: 3713
How much equity do they "calculate" and how much is it in reality ? Who advised you and was this at initial enquiry or was it refused by creditors at the meeting ?
by Foggy
Tue Oct 16, 2018 8:29 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture
Replies: 6
Views: 119
Topics merged
by Foggy
Tue Oct 16, 2018 8:27 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture
Replies: 6
Views: 119
Aperture routinely take, as a minimum, what the industry as a whole regards as the maximum (6 months). They are not alone, but they are in a very small club!
by Foggy
Tue Oct 16, 2018 6:45 am
Forum: Ask IVA Forum and Industry experts
Topic: Wrong default date
Replies: 4
Views: 290
Have a read here -- contains a template to get default date amended: https://www.iva.co.uk/what-does-an-iva-do-to-your-credit-record The defaulted account will remain on your credit files until it's 6th anniversary, so it is worth getting the date corrected, so that it doesn't linger after the IVA i...
by Foggy
Tue Oct 16, 2018 6:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Bad advice
Replies: 4
Views: 319
Six months is the standard "backstop" date quoted by all firms. However, it often takes a lot less: Some firms do it within weeks and most in 2 or 3 months. A few do take 6 months or more!
Out of curiosity, what option are you now going for ?
by Foggy
Tue Oct 16, 2018 6:39 am
Forum: Ask IVA Forum and Industry experts
Topic: Third party offer
Replies: 3
Views: 286
Unless you agree a break with your IP, yes. If you are concerned about the amount being paid, in the end, being increased by interim payments you can make a condition in the offer along the lines that "payments after [date] will be deducted from the lump sum offered".
by Foggy
Mon Oct 15, 2018 12:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: how to see defaults on cr
Replies: 12
Views: 699
Your defaults should drop off after six years. Your IP company will inform Credit Agencies and the Insolvency Register once you have your completion letter. Doesn't matter about debts being sold on. That's a good point Dennis. Sorry if you have mentioned this elsewhere -- but when did your IVA actu...
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