Search found 25620 matches
- Thu Apr 26, 2018 6:54 am
- Forum: Ask IVA Forum and Industry experts
- Topic: Divorce settlement during IVA
- Replies: 14
- Views: 4907
I am sorry, but I cannot understand what the problem is from Creditfix's point of view. They and their solicitor are making everything unnecessarily complicated ! Your inability to speak to your IP is completely unreasonable (and not due to him being "too busy", but due to the firm taking ...
- Thu Apr 26, 2018 6:48 am
- Forum: Ask IVA Forum and Industry experts
- Topic: I own 40% of my house, can I gift it to my daughter?
- Replies: 1
- Views: 85
No. Your share is an asset of the IVA until such time as the equity release aspects are dealt with.
- Wed Apr 25, 2018 6:13 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Foggy
- Replies: 10
- Views: 1444
Yea I have it on my phone I suppose it is just the feeling of being welcomed back into the mainstream... silly really Not so silly really. Most of us do not want credit when we end the IVA, but we still crave the "normality" of a clean credit record. We still want a credit card -- again, ...
- Wed Apr 25, 2018 2:55 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Knightsbridge
- Replies: 7
- Views: 325
Knightsbridge have allowed ex to claim expenditure of £200 A MONTH for an extra car for his wife! she has not long passed her test, doesn’t work and is a short walk from school. Surely this is not included in CFT and should be money for creditors. The extra £200 a month would be nearly enough to re...
- Wed Apr 25, 2018 2:52 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Foggy
- Replies: 10
- Views: 1444
Yea the new card is for my cashminder, nothing wrong with the account just wanted to be a bit more “normal” I've been running a Cashmider acccount since my IVA, mine isn't a contactless card either. However, I set up Samsung Pay on my phone and it's great. Just hold the phone to the card reader and...
- Wed Apr 25, 2018 1:18 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Received Payplan Completion Letter in under 6 weeks of completion....shocked!!
- Replies: 5
- Views: 314
Congratulations, well done ... and well done to Payplan too !
Onward and Upward !
Onward and Upward !
- Wed Apr 25, 2018 10:48 am
- Forum: Ask IVA Forum and Industry experts
- Topic: Bank account recommendations
- Replies: 2
- Views: 344
Whoever he applies to he will have to ask for a basic account. He is unlikely to get a "standard" current account. As Kallis mentioned, the Co-Op Cashminder is very popular, but other banks do have their own versions.
- Wed Apr 25, 2018 10:20 am
- Forum: Ask IVA Forum and Industry experts
- Topic: Does it matter if you live in housing association property
- Replies: 3
- Views: 349
julie662 wrote:Iva does it make any difference if your in housing association property
Unless your HA has any insolvency clauses it should make no difference.
- Wed Apr 25, 2018 7:12 am
- Forum: Ask IVA Forum and Industry experts
- Topic: Will cancelled IVA remain on my credit file for 6 years?
- Replies: 1
- Views: 374
natalie221 wrote:I applied for an back in 2014 and find myself not being able to keep up with the payments so it got cancelled. Can my credit file be amended or will it remain on there for 6 years
It will remain there for the full 6 years I am afraid.
- Wed Apr 25, 2018 7:04 am
- Forum: Ask IVA Forum and Industry experts
- Topic: 2002 completed Iva - new PPI claim
- Replies: 2
- Views: 526
- Wed Apr 25, 2018 6:59 am
- Forum: Ask IVA Forum and Industry experts
- Topic: IVA Help Needed
- Replies: 13
- Views: 655
Seriously though. Is there anyway of us with completed IVAs actually put an end to all this, because theoretically it could never end. Slightly jesting here, but what if I were to find an antique vase up in the loft, go on the Antiques Roadshow, and it be seen to be worth £20k. My IP could then say...
- Wed Apr 25, 2018 6:50 am
- Forum: Ask IVA Forum and Industry experts
- Topic: Full and final offer rejected, what to do next?
- Replies: 3
- Views: 445
Barclays is unlikely to budge and prodding HMRC is very risky as they can be prickly. The problem here is that the F&F is counteracted by the arrears and creditors do not tend to like arrears.
- Wed Apr 25, 2018 6:44 am
- Forum: Ask IVA Forum and Industry experts
- Topic: I am a guarantor for a loan, borrower is thinking of IVA
- Replies: 2
- Views: 415
The loan company will look to you for repayment, the IVA will absolve the borrower. You can become a creditor in your own right and put a claim in to his IP regarding the repayments you have to make on the borrower's behalf. I am afraid that, if anything, you will only get a small proportion of the ...
- Tue Apr 24, 2018 7:29 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Voting houses
- Replies: 5
- Views: 515
Over half of my creditors were represented by these organisations -- they all voted yes. They can look at the proposal in a more detached way and will decide purely on the economics without seeing the account history.
- Tue Apr 24, 2018 7:22 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Voting houses
- Replies: 5
- Views: 515
bridgey wrote:What/who are voting houses?
They are. I believe, organisations who handle the voting on behalf of creditors, like Tix and Max Recovery, as well as the likes of Grant Thornton.
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