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by Foggy
Thu May 24, 2018 8:32 am
Forum: mortgages
Topic: Hello From London
Replies: 1
Views: 36
Hi, Gary, and welcome.

Before you can advertise your services in your signature you will need to speak to the admin team to become an Industry Expert, if you have the right credentials.

https://www.iva.co.uk/volunteer-jobs
by Foggy
Thu May 24, 2018 8:06 am
Forum: Ask IVA Forum and Industry experts
Topic: Are we at the end of our IVA?
Replies: 5
Views: 103
Reading the letter sent from Knightsbridge it states "The IVA was approved by your creditors on 6th August 2013. The IVA has been registered.You have agreed to make the following monthly contributions out of income. 60 monthly payments of £120.00 Total £7,200.00." I cannot find any refere...
by Foggy
Thu May 24, 2018 8:04 am
Forum: Ask IVA Forum and Industry experts
Topic: Can the IVA company take the PPI
Replies: 2
Views: 76
PPI, and similar refunds, still belong to your creditors, via your former IP or successor, as recenty confirmed in the courts. Some IP's will have no interest and, in some cases, it might simply be uneconomical for the old files to be resurrected and creditors dealt with, in which case the refunds s...
by Foggy
Thu May 24, 2018 6:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Increased IVA payments
Replies: 2
Views: 91
Ask them for their written calculations as to what they are basing the increase on, then you will be able to challenge this increase if they are in error.

Have you had a recent pay rise or dramatic drop in outgoings ? ?
by Foggy
Thu May 24, 2018 6:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Are we at the end of our IVA?
Replies: 5
Views: 103
No --- the equity release investigations will still need to be made and the ommission will be discovered at closure, if not before. It is your responsibility to ensure that the terms you agreed to are carried out. If you have the equity release clauses, dig them out and have a read of what you have ...
by Foggy
Wed May 23, 2018 6:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: Register
Replies: 5
Views: 240
I only had email contact, which they soon stopped responding to, initiated via the online contact link on the Register pages.
by Foggy
Wed May 23, 2018 4:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: What do I do about earning more while in an IVA
Replies: 3
Views: 314
Send them the payslip and they should then ask you for £11.50, assuming you have the usual clauses, if this excess is due to overtime or a bonus payment.
by Foggy
Wed May 23, 2018 3:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: Being forced to remortgage
Replies: 4
Views: 355
Dig out your proposal and see what you agreed to under "Equity Release", usually in pre 2014 Protocol cases ( unless you have agreed to something different or have amended your terms to the later editions ) the options are to attempt to remortgage and, if that fails ( as it usually does) t...
by Foggy
Wed May 23, 2018 11:10 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors Meeting nerves
Replies: 10
Views: 927
kallis3 wrote:
Any news yet?

100k-iva-approved-t85293
by Foggy
Wed May 23, 2018 10:01 am
Forum: Ask IVA Forum and Industry experts
Topic: £100k IVA APPROVED!!!!!
Replies: 10
Views: 453
Well done ! You are right, your journey will have it's bumps, but good communication with your IP will generally sort these out. Of course, we are also here to support and lend you an ear or shoulder if needed. Over the next couple of days your emotions will be all over the place ---- don't panic, i...
by Foggy
Wed May 23, 2018 6:36 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit Union voting against my IVA
Replies: 11
Views: 644
Do they hold more than 25% of your debt ?
by Foggy
Wed May 23, 2018 6:35 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors Meeting nerves
Replies: 10
Views: 927
Best of luck for this morning.
by Foggy
Wed May 23, 2018 6:34 am
Forum: Ask IVA Forum and Industry experts
Topic: Interest Inly Mortgage
Replies: 5
Views: 568
The morals might be open to interpretation, but the IVA was a rescue mission and things needed to be done. Unfortunately, for whatever reasons, you owed the money to your creditors but you dealt with that and these things never come without some cost to our lives.
by Foggy
Tue May 22, 2018 4:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is IVA my best option
Replies: 4
Views: 634
Not always -- it all depends on your whole set of circumstances: Amount of debt, disposable income, are you a home owner, and many other things, including your job, make up of creditors etc.etc.

If you could give us a brief picture we might be able to give a more useful reply.
by Foggy
Tue May 22, 2018 1:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: How can I find out details of a previous IVA I had
Replies: 3
Views: 664
If you can remember the company they may be able to help, or ask the Insolvency Service if they have archived records they may be able to search.
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