IVA Calculator - Do I qualify?

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 ...

No. Your share is an asset of the IVA until such time as the equity release aspects are dealt with.

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, ...

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...

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...

Congratulations, well done ... and well done to Payplan too !

Onward and Upward !

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.

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.

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.

Very similar situation here: iva-help-needed-t85083

All very much uncharted ground.

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...

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.

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 ...

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.

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.