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by Foggy
Sat Mar 23, 2019 9:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: Capquest
Replies: 8
Views: 68

There was a post not so long ago with a similar story, but another company I think -- apparently they were well known for chasing past, written off, debts in the hope that some people just paid up in a panic.
by Foggy
Sat Mar 23, 2019 6:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Capquest
Replies: 8
Views: 68

I would imagine that whoever Capquest are working for has purchased one of your old debts, not realising it was protected by an IVA. Just inform them of this and tell them to go away !
by Foggy
Sat Mar 23, 2019 5:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: lost job
Replies: 5
Views: 119

Topics merged
by Foggy
Sat Mar 23, 2019 3:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: Life after iva
Replies: 1
Views: 60

Defaukts and the IVA will show for 6 years from the start date, so not much point in doing much now. Nearer the 6th anniversary you can check that defaukt dates are correct etc ... have a read here:

https://www.iva.co.uk/what-does-an-iva- ... dit-record
by Foggy
Sat Mar 23, 2019 12:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: lost job
Replies: 5
Views: 119

I am afraid that the payday loans could get the IVA failed -- how much have you borrowed ? You could ask your IP for a payment break for a few months to sort those loans --- missed payments will be added back on at the end of the IVA.
by Foggy
Sat Mar 23, 2019 10:01 am
Forum: Ask IVA Forum and Industry experts
Topic: Failed IVA / BR - Options
Replies: 21
Views: 3623

Well done ! As you say .... New Beginnings :-)
by Foggy
Fri Mar 22, 2019 9:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: Does no contact mean IVA rejection?
Replies: 10
Views: 408

Fri Mar 22, 2019 8:33 pmlisa817 wrote:
In that case would they not adjourn and try to get them to vote for a second time?
They might do if they think they could swing the vote --- but, it might just be that the meeting chairman just hasn't got around to writing up his report, especially if your meeting was later in the day.
by Foggy
Fri Mar 22, 2019 8:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: Does no contact mean IVA rejection?
Replies: 10
Views: 408

The vote this time will depend on who votes --- if any creditor who said yea last time doesn't bother to vote this time that could put the credit unions share up ---as it is a percentage based on those who vote, not on the total make up of the full debt.
by Foggy
Fri Mar 22, 2019 7:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mis-sold IVA??
Replies: 2
Views: 343

Mis-selling is hard to prove after the fact as there are so many varying circumstances to look at. The reason you have been quotes doesn't make sense as an IVA is secured on nothing ,,, you need not have any assets to enter an IVA. However, most do so to protect assets, but it is not a reason not to.
by Foggy
Fri Mar 22, 2019 7:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Aperture, IPA and equity release
Replies: 2
Views: 346

Aperture are known for this aberrant calculation method. Initially they backed down when challenged, but have become more stubborn. If the method was embedded in the agreement then that is the method they should use. The IPA will, if they agree, slap a wrist maybe issue a fine but do not usually get...
by Foggy
Fri Mar 22, 2019 7:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Does no contact mean IVA rejection?
Replies: 10
Views: 408

No it doesn't mean bad news --- Aperture are among the worst firms for communicating meeting results in a timely manner --indeed for communication generally !
by Foggy
Fri Mar 22, 2019 6:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: it's finally arrived!!
Replies: 6
Views: 375

Great news and congratulations !

Thank you for your kind words ( I think my sanity is long gone ! )

Onward and Upward :-)
by Foggy
Fri Mar 22, 2019 4:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Releasing equity into an IVA
Replies: 2
Views: 387

What was the agreed term at the outset ?

Do you agree that there are any missed payments to be made up ?

Equity release or a 12 month extension are standard terms for homeowners and are detailed in the agreement you signed. What, exactly, are they saying about this ?
by Foggy
Fri Mar 22, 2019 4:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Attendance allowance
Replies: 2
Views: 380

Some firms don't even ask for an itemised breakdown, but simly offset the Attendance Allowance figure with the same under "Expenses related to [condition]", which is what the alowance has been made for, NOT for repaying creditors. Don't forget to account for any specific dietary needs, all the gubbi...
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