IVA Calculator - Do I qualify?

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.

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...

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...

Many of us used the Co-Op Cashminder accounts in our IVAs with no issues.

An IP would rarely offer a product that included PPI, although I believe some used to offer a policy to cover IVA payments (whether that had PPI built in, only they can tell you).

Guidelines lump phone and mobile together at around £50 for a single person and £60 for a couple guideline figures ( £57 & £77 max)

I will have to disagree with Allay on that one ... if there was no IVA they can offset, but the IVA is to ensure that all parties to it get a proportional share of your disposable income and assets. Offsetting circumnavigates this intention. Unfortunately it would require a court case to set the pr...

I will have to disagree with Allay on that one ... if there was no IVA they can offset, but the IVA is to ensure that all parties to it get a proportional share of your disposable income and assets. Offsetting circumnavigates this intention. Unfortunately it would require a court case to set the pre...

Hi Foggy, thanks for your quick reply. I don’t have any equity release clauses as I’m not a homeowner. In the what way would a provider normally make sure an IVA was in order? Completing reviews or a final review at least? As I’ve never had any correspondence with either company really apart from t...

Agree with Merlin -- they are just trying to cop some commission !

Although I share Merlin's interpretation and sentiments, having rung CF, you will need to cash the cheque and pay the amount to CF. It is up to CF if they wish to pursue the illegal offsetting (doubt they will as they seem to have no stomach for a fight).

I agree with Lisa --- if you accept the max allowance at £250 and commit to finding the extra £26 by savings from other agreed allowances.

Hi, I am currently just into my 4th year of my IVA and may be able to offer a full and final settlement. The first 3 years of my IVA were with Harrington Brooks and I never had a financial review of any kind. As some/most of you may be aware Freeman Jones recently took over HB so my IVA is now with...

Hi if stoped paying my iva and we up repayments with my creditors myself how do I get via taken off my credit report Thanks Samantha It will not be removed for at least 6 years from the start date. If you stop paying and allow it to fail the creditors will add back lost interest and the debts will ...

After 5 adjournments I have just received a new date for the 6th meeting of creditors to consider my full and final offer possible due property equity, the meeting is scheduled for September. If my offer via The Select Partnership is accepted, does anyone know what the final process with Creditfix ...