Search found 27484 matches

Search found 27484 matches Page 1 of 1833
by Foggy
Thu Dec 13, 2018 4:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Still on insolvency register
Replies: 3
Views: 25
Apparently they sold out to Simple Fix --- what does the register give for your IP details ?
by Foggy
Thu Dec 13, 2018 10:20 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA meeting on 17th ... ive got my work bonus. . .
Replies: 1
Views: 148
Calculations such as the 10% 50/50 rule are carried out on the cash value you actually get in your pocket (so after tax and other deductions). You can't tell your IP what you are getting until you get the cheque and you know what the amount really is after deductions.
by Foggy
Thu Dec 13, 2018 10:16 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors meeting
Replies: 6
Views: 360
Good news. Creditors accepted the payments to date as full and final.. That's it no more payments I was told that they had to wait 28 after the creditors meeting to start closing the iva.. Is this normal? I am so. Relieved. Early Christmas present for me. Thanks everyone x Well done and congratulat...
by Foggy
Thu Dec 13, 2018 10:14 am
Forum: Ask IVA Forum and Industry experts
Topic: DFD IVA transferred to who?
Replies: 2
Views: 162
DFD transferred cases to Aperture
by Foggy
Thu Dec 13, 2018 8:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Equity at end of Iva
Replies: 6
Views: 292
Thank you for your reply, am waiting on a phone call back today to clarify things. No they’ve never asked for a valuation, first time they’ve been in touch with me about this was yesterday when I received letter advising they are extending Iva for a further 6 months to allow them time to look into ...
by Foggy
Thu Dec 13, 2018 7:52 am
Forum: Ask IVA Forum and Industry experts
Topic: Equity at end of Iva
Replies: 6
Views: 292
The equity question does have to be dealt with, but you are within your rights to lodge a complaint at their tardiness. Do you think there is enough equity to trigger an extension or a release attempt ( the details will be in your proposal under Equity Release) ? Are they expecting you to continue p...
by Foggy
Thu Dec 13, 2018 7:47 am
Forum: Ask IVA Forum and Industry experts
Topic: CreditFix?
Replies: 5
Views: 204
Research insolvency firms and speak to a few to explore your options --- do you really need an IVA? There are other options, depending on the whole picture. Personally I would not deal with a company that calls me out of the blue -- I deal with those I choose. Creditfix is a "reputable" co...
by Foggy
Wed Dec 12, 2018 9:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA and rent
Replies: 4
Views: 379
They could do --- as well as ask for the "missing" £100 per month back. It is difficult to say as what happens will depend on what they discover / if they discover and when they discover. Also depends on how it was actually presented to them / how you have accounted for the £100 monthly in...
by Foggy
Wed Dec 12, 2018 6:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors meeting
Replies: 6
Views: 360
I am afraid that this lax attitude to customer service is the norm for many firms these days, but Aperture are up there on the leaders board ! You do need to ride them to get anything out of them .
by Foggy
Wed Dec 12, 2018 6:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA and rent
Replies: 4
Views: 379
Yes they will possibly query it and no, it is not allowed. If the rent IS £400 that is what you should have declared and you have understated your disposable income. Thisd is compounded by the fact that you can still live "comfortably" while effectively saving £100 per month. Your pledge, ...
by Foggy
Wed Dec 12, 2018 4:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cleaning up my Credit Report
Replies: 8
Views: 411
The IVA providers should be sending completion certificates to the Insolvency Service, unless things have changed. Those that aren't are not completing their duties and are simply being lazy. I shall make enquiries ........... NTF = nightmare! I completed in August and I'm still on the insolvency r...
by Foggy
Wed Dec 12, 2018 2:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cleaning up my Credit Report
Replies: 8
Views: 411
The IVA providers should be sending completion certificates to the Insolvency Service, unless things have changed. Those that aren't are not completing their duties and are simply being lazy. I shall make enquiries ...........
by Foggy
Wed Dec 12, 2018 1:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: The point of a final review?
Replies: 2
Views: 431
The final review has to be conducted as an annual review is agreed to take place in the proposal --- and you are in the IVA until such time as the completion certificate is issued ... NOT until you make the last payment. Also it is there to check on your income for the final 12 months to ensure that...
by Foggy
Wed Dec 12, 2018 10:27 am
Forum: Ask IVA Forum and Industry experts
Topic: Help For A Creditor
Replies: 19
Views: 1537
I spoke to a solicitor today who told me to speak to the IP and ask that the online meeting be made a physical meeting. As I am owed more than 25% of the debt, I am entitled to do this. Spoke to the dragon in the IP office who yelled down the phone at me and told me this was not possible and how da...
by Foggy
Wed Dec 12, 2018 9:24 am
Forum: Ask IVA Forum and Industry experts
Topic: Zopa and IVA's
Replies: 4
Views: 538
Hopefully your IP can sway enough of your other creditors to outvote Zopa. If you are rejected you could try to propose a DMP, but it will depend on your circumstances as to what other options might be worthwhile looking at: Are you a homeowner? If so, what sort of equity is there? How much are the ...
Search found 27484 matches Page 1 of 1833