IVA Calculator - Do I qualify?

MerlinL14 wrote:

Since the end of my IVA and my credit file getting all pretty and positive I have never needed to provide my CC. However, I have 3 copies, one in the fire safe one in the Daughters house with other documents and one in my draw. You just never know!

I also have a scanned copy on several drives !

Always, always, always keep a copy of that certificate as you never know when the IVA might be brought up in the future. Although it drops off of your records at the credit reference agencies your former creditors might keep records of their own.

Congratulations, Anthony

Let's hope this is a sign that Aperture have picked the ball back up again !

They are not supposed to but have a history of doing so and, to date, have had no successful challenge that I know of. Most don't challenge this because, if they had paid the refund to you it would have to be paid into your former IVA anyway, under a recent court ruling.

This could be a problem and could be payable into the IVA. I would suggest thinking of a reason to get it transferred back to your mum's account asap so that, if they request to see your bank statements it will show as an "in and back" transfer made in error by your mum.

MerlinL14 wrote:

no booze though!

Aaawwwww

Hi. You will go through the whole range of emotions -- this is normal. It is quite a step to take. Most of us here would say we wished we had done it sooner, rather than years of juggling and just making it through each month. It is not an easy path, but, with the right help and the right attitude i...

Speak to your IP and explain .... you might be able to renegotiate payments at a reduced level or make a full and final offer based on payments made to date.

This seems a very complicated way of doing things? the whole selling point of an IVA is simplicity, no letters and no phone calls. I'd rather just pay my council tax the normal way, personally. I agree -- when I did mine the CT was left as an allowable expense if not in arrears but someone took it ...

You go to the Data Controller at the creditor to get the date amended --- the status doesn't matter. However, if it's a couple of months out it will still drop off before you could get it sorted anyway ---- have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record

This IS standard procedure now (although I don't agree with making problems where there weren't any before) and, it appears, some councils have yet to catch on. You are probably caught up in an automatic system, in error. My local council simply writes off the CT debt for the current year. If it act...

I would imagine it would depend on the circumstances of the case, but, in all likelyhood, yes.

Have a word with Ryan and / or Shaun, Bex.

Redundancy compensation is payable into the IVA, apart from the equivalent of 6 months salary which you will be allowed to keep and with which you will be expected to live and pay the IVA as normal for those 6 months while you seek alternative employment. You will not be permitted to repay loans fro...

kallis3 wrote:

Is this a new IVA? Looking at earlier threads you were with Freeman Jones.

I think this is a new application --- the husband's IVA was with FJ, but was terminated.