IVA Calculator - Do I qualify?

A permanent pay rise during the year should not be taken into account until the review following the rise and any increase only after that review -- so I doubt that there would be any extra required in that regard. The six months is usually counted from the date of the last regular payment and Apert...

Thanks Could I not just email them? Or does this have to be an official recorded delivery letter. I just want this sorted once and for all. Its been like a black cloud hung over my head for over 10 years. I want to try and move on and buy another property having lost mine 3 years ago. Would bankrup...

Write a formal complaint, addressed direct to the IP, demanding a full explanation and current situation. Send this by recorded delivery ( keeping copies). If no useful response you can then complainb to their regulatory body via the Government Gateway here: https://www.gov.uk/complain-about-insolve...

The best advice I can offer is to urgently speak with your IP and explain what is happening at the moment and what the difficulties are. They may be able to offer a way forward without scr pping the IVA, or even be able to ask the creditors to accept a full and final based on payments made to date. ...

My IVA is due to drop off my credit file after 26/4/2019 as this is 6 years from the date it was approved but I have noticed that even though my IVA was settled by full and final a few years ago, 1 account still shows as defaulted and not settled as the others do, what do I need to do regarding thi...

I HIDE THE SAVINGS I HAD AND DID NOT PAY TOWARDS MY IVA Ah, right. I doubt that the creditors would be inclined to agree to another IVA in that case and the Official Receiver might also be a little more strict with your case as well. I can only advise you to co-operate fully with the OR. It would d...

You do not have to give them third party access -- they can make do with paper copies. Banks have recently allowed TPA in the UK but the risk is entirely the account holders. Personally I would never agree to such an arrangement.

Creditfix are asking me to use software from Castlight Ltd for my annual expenses review which will use my online banking password to access my accounts, I do not feel comfortable with this at all, I don't mind sending them bank statements but this seems a bit much and to be honest I just don't tru...

Yes, you do have the right to feel aggrieved and also the right to a full (and correct) explanation. Unfortunately, other than a formal complaint to Payplan, which you can then escalate to their regulatory body, you have no avenues or organisations which can help --- a situation I tried to bring to...

What was the breach ? As the bankruptcy petition has been brought about by the failure of another debt solution I doubt any apeal would be entertained unless you could argue and prove that the breach was unfair. There is a slim chance that you might be able to get another IVA put in place, but your ...

Hi has anyone had any success or know if it's possible to get a small business loan after a full and final with iva still on credit record ? Thanks No chance at all until you get the completion certificate as you are still bound by the IVA. After that, a sub-prime lender might consider you, but you...

Yes, you do have the right to feel aggrieved and also the right to a full (and correct) explanation. Unfortunately, other than a formal complaint to Payplan, which you can then escalate to their regulatory body, you have no avenues or organisations which can help --- a situation I tried to bring to ...

I doubt the world will stop turning for £13.

As Kallis says, as long as you have no joint finances, a search on you should show no connection to her.

Are you with CF ? If so, they have been having an issue with paperwork recently. Basically they tried to use their own version of previously agreed templates which a creditor took exception to.
The signs are that this will be sorted soon.