Search found 27709 matches

Search found 27709 matches Page 1 of 1848
by Foggy
Fri Jan 18, 2019 9:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Ok - IVA why bother take 2
Replies: 3
Views: 84
If everything went your way and you had nerves of steel -- it might work. The loans, however, would not be defaulted, just left showing arrears for ever.There is no time limit on undefaulted accounts showing on your credit files. Bailiffs can be quite persistent, and some not so adherent to the &quo...
by Foggy
Fri Jan 18, 2019 12:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will an IVA affect my home?
Replies: 3
Views: 286
There is a possibility that they will reject an IVA if they feel that they stand more chance of getting repaid from equity in the home. Might I suggest having a chat with either Ryan or Shaun ( or both of them) to see about releasing some equity to cover the debts. Their details can be found here: R...
by Foggy
Fri Jan 18, 2019 12:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I claim back PPI that was paid to my IVA
Replies: 3
Views: 268
They are being a bit "inventive" with the facts. If you have or had an IVA, PPI is rightly payable to the creditors as recently ratified in court. IF, after the IVA completes, the IP declares that he has no interest ( a rare occurrence) any PPI still due to be claimed could be yours. This ...
by Foggy
Fri Jan 18, 2019 10:17 am
Forum: Ask IVA Forum and Industry experts
Topic: finally got IP to get back in touch with me .... not happy
Replies: 3
Views: 295
You cannot cghange IVA providers once the IVA has started. The person who has left was your case handler --- however the person ultimately responsible is your IP (supervisor). Get their name from your paperwork, or the insolvemcy register and write direct to them by recorded delivery , keeping copie...
by Foggy
Thu Jan 17, 2019 5:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: Full & Final offer
Replies: 11
Views: 6226
The letter has to be from the donor --- sort of "chain of evidence" for the creditors. It shouldn't restart the clock --- just check what it actually says in the variation proposal, when they draft it. No idea on the variation appointment (assumimg this is a little chat before drafting ( t...
by Foggy
Thu Jan 17, 2019 5:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will iva still stay on my file even if it fully settled & cleared in 2.5 yrs?
Replies: 16
Views: 5157
Extremely unlikely that you will get a mortgae from a lender that will allow you to keep your knees in the event of a missed payment ! Even if you could -- by joining in with the partner, you will taint that squeaky clean record they currently enjoy.
by Foggy
Thu Jan 17, 2019 3:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is there a way I can find out who was included in a old IVA?
Replies: 8
Views: 1199
I gather that Max Recovery are usually quite fair and easy to deal with. Best of luck.
by Foggy
Thu Jan 17, 2019 12:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Payment break
Replies: 13
Views: 3025
I agree with Lisa -- tax liability up to the end of the tax year in which the IVA commences should be included in the IVA.
by Foggy
Thu Jan 17, 2019 9:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Freedom from Insolvency Register
Replies: 6
Views: 643
Great news, Bethany -- Onward and Upward :-)
by Foggy
Thu Jan 17, 2019 7:58 am
Forum: Ask IVA Forum and Industry experts
Topic: Failed IVA and register
Replies: 1
Views: 744
Up to three months from the time the termination certificate is issued, which itself could be up to 6 months (usually a lot less) from when the IVA was declared a failure. It will remain on credit reference agency files for the full 6 years from the start.
by Foggy
Thu Jan 17, 2019 7:56 am
Forum: Complaints procedure
Topic: Aperture IVA closure
Replies: 1
Views: 742
Normal practice for Aperture I am sorry to say.
by Foggy
Thu Jan 17, 2019 7:52 am
Forum: Ask IVA Forum and Industry experts
Topic: Buying a property post IVA
Replies: 2
Views: 753
As Luluj says -- have a word with Ryan and / or Shaun: Their details can be found under the "Team" quick link, top left. They are in yellow towards the bottom of the listing.
by Foggy
Thu Jan 17, 2019 7:50 am
Forum: Ask IVA Forum and Industry experts
Topic: Order against the house
Replies: 1
Views: 632
You need to go back to your solicitor. The IVA provider would have put a restriction (not order) on the property which she should have signed to agree to. Maybe he forged the signature, I don't know. Negotiate with Aperture to see if they will accept that £10k into the IVA in return for them releasi...
by Foggy
Wed Jan 16, 2019 4:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Keeping a car whilst in an IVA
Replies: 3
Views: 852
The car finance would not (SHOULD not) have been included in the IVA if it was secured on the vehicle. There should have been an allowance made in your expenses to cover the repayments. However, most car finance agreements have an insolvency clause, allowing repossession although many firms do not a...
by Foggy
Wed Jan 16, 2019 4:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bonuses problem
Replies: 8
Views: 1379
Silly question alert. Hypothetical. Over the years if you received an ad hoc bonus of say £100 and this wasn't in the 6 months pay the asked to see, therefore they haven't seen the evidence, how would they find out? At the end of the IVA what is usually supplied to them? I want to be prepared becau...
Search found 27709 matches Page 1 of 1848