Search found 26107 matches

Search found 26107 matches Page 1 of 1741
by Foggy
Sat Jun 23, 2018 9:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Ppi claim many years after my iva completed.
Replies: 2
Views: 69
Any PPI recovered after the end of your IVA stil; belongs to your creditors. However, your former IP might deem it uneconomical to reopen old files and re-contact former creditors for distribution of funds, in which case they would allow you to keep the refund. If the refund is beimg made by a forme...
by Foggy
Sat Jun 23, 2018 8:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: Northridge HP
Replies: 1
Views: 92
This is a pretty standard clause in these agreements, they are not always acted upon as you will be maintaining the payments. However some companies have been known to terminate agreements in these circumstances. I cannot tell you which way yours will go ... sorry.
by Foggy
Sat Jun 23, 2018 4:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting (Credit Fix) adjourned 4 times
Replies: 16
Views: 544
The likelihood the issue is to do with their proposed charges. I’m so clueless, what does this mean? Can this be rectified? Charges are queried at nearly every meeting and are usually sorted at the time. CF do tend to try to charge more than most, and might not back down so easily. At the end of th...
by Foggy
Sat Jun 23, 2018 12:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting (Credit Fix) adjourned 4 times
Replies: 16
Views: 544
I am having exactly the same issues with Creditfix at present and now on the fourth adjournment of variations meetings in relation to my proposal to close my IVA with available equity. Reasons given have been vague and lacking in any meaningful explanation. If the proposal had been accepted at the ...
by Foggy
Sat Jun 23, 2018 11:35 am
Forum: Ask IVA Forum and Industry experts
Topic: Variation meetings adjourned
Replies: 1
Views: 231
Creditfix's new M.O I am afraid. See here: f-f-meeting-credit-fix-adjourned-4-times-t85501 and here: f-f-meeting-tomorrow-t85473
by Foggy
Sat Jun 23, 2018 10:58 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting (Credit Fix) adjourned 4 times
Replies: 16
Views: 544
The paperwork layout and procedure for the majority of cases has been pre-agreed by creditors for those firms who use Protocol or R3 terms. This was to make the system more uniform and faster to process the applications. It would seem that CF are trying to depart from the "norm" and set up...
by Foggy
Sat Jun 23, 2018 7:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Could my IVA still be visible somewhere?
Replies: 6
Views: 567
Just a thought ... have you actually sat across the table and spoken with a Business Manager fom NatWest, face to face ? We have had a few instances where a business account was refused in the "automated" application process, but was subsequently granted once a human being was put into the...
by Foggy
Sat Jun 23, 2018 7:11 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting (Credit Fix) adjourned 4 times
Replies: 16
Views: 544
abbiesmum2003 wrote:
SNAP!


And by the way foggy....an email today from them has stated i am not required to pay any further payments until a decision has been made so thats our standing order cancelled!!!!


That is good to hear -- and that you have it in writing. Don't lose that email !
by Foggy
Fri Jun 22, 2018 9:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting (Credit Fix) adjourned 4 times
Replies: 16
Views: 544
So this seems normal? Does it mean that there may still be a chance for it to go through eventually. I’m a nervous wreck Normal for Creditfix, but not an industry norm. As I said, I have seen this routinely with CF recently but they still seem to manage to pull it together in the end in the majorit...
by Foggy
Fri Jun 22, 2018 8:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting (Credit Fix) adjourned 4 times
Replies: 16
Views: 544
I have been on this forum for 8 years and, until CF appeared on the scene I never heard mention of regular adjournments of creditors meetings and rarely came across single adjournments while the IP canvassed creditors to get a meaningful vote .... but this seems to be the norm at CF. There is obviou...
by Foggy
Fri Jun 22, 2018 4:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: Could my IVA still be visible somewhere?
Replies: 6
Views: 567
Hello everyone. I have recently applied for a Business account with Natwest but they have come back with an insolvency/bankruptcy flag. I'm assuming this is my IVA. Only thing is my IVA was settled five maybe 6 years ago! I am fully solvent, have a mortgage, car finance etc so my credit history is ...
by Foggy
Fri Jun 22, 2018 1:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Time, acceptance rates...
Replies: 10
Views: 1176
Thanks foggy, unfortunately I am somewhat of a serial overthinker, it's a joint IVA for me and my husband, debts only total around £7000, between approximately 10 creditors, which considering some cases I've read is a relatively small amount. We have just had our MOC date through 17/07/18! So anoth...
by Foggy
Fri Jun 22, 2018 1:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bonuses
Replies: 4
Views: 5336
Interlocking IVA's basically lump the finances together to be treated as one sum, so your initial calculations are broadly on the right lines. Anything over the full debt, fees and interest (less payments to date) will be yours. Regarding PPI -- remember that only about 2/3 rds of the refunds will h...
by Foggy
Fri Jun 22, 2018 10:22 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I cash in some pension?
Replies: 3
Views: 582
My final payment was 1st June 2018, I need to move and rent a property as I have been living with my daughter to enable me to complete the five year IVA I am now 62 I do not have any other assets, I need to take an amount out of my pension to do this, but have not received any confirmation on compl...
by Foggy
Fri Jun 22, 2018 6:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Waiting for completion certificate
Replies: 6
Views: 767
I have had this arguement with the Insolvency Service and them denying any removal from the register before three months, whilst I was telling them of instances happening while we were discussing the matter --- in the end they simply stopped responding to me! I do not think it is legislation but rat...
Search found 26107 matches Page 1 of 1741