Search found 26871 matches

Search found 26871 matches Page 1 of 1792
by Foggy
Tue Sep 18, 2018 2:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Who to make complaint
Replies: 1
Views: 21
Hi. The process is to make a formal complaint to your IP and this can then be followed up by a complaint to their regulatory body, if no joy. Complaints to regulators are made via the government gateway at: https://www.gov.uk/complain-about-insolvency-practitioner A Freeman Jones representative ofte...
by Foggy
Tue Sep 18, 2018 12:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I change car whilst in IVA
Replies: 2
Views: 80
You would need to seek, and gain, the approval of your IP and I doubt this would be forthcoming. In any event, even with approval, it is highly unlikely that you will be granted finance as you will fail any credit check.
by Foggy
Tue Sep 18, 2018 12:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: Personal injury
Replies: 1
Views: 78
Insurance payments are not defined in IVA terms and conditions, but IP's tend to follow the practice as in bankruptcy. So, how your own IP will treat the compensation is down to them. Those that follow the BR procedures (as most do) will allow you to retain compensation for "Pain and Suffering&...
by Foggy
Tue Sep 18, 2018 10:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Contact from your DMP
Replies: 3
Views: 134
So in short, I think I'll ignore the message from them. A PPI was paid into the IVA and there isn't anymore to get as far as I'm concerned. They contacted me just after I received the completion certificate on this, which wasn't fruitful for them then, so this is outright abuse of my contact detail...
by Foggy
Tue Sep 18, 2018 9:08 am
Forum: Ask IVA Forum and Industry experts
Topic: Contact from your DMP
Replies: 3
Views: 134
PPI isn't normally payable into a DMP -- so I am guessing they are trying to generate leads for a second income string or a third party claims company. By your reference to beig on the public register I assume you mean an IVA. If this is the case the PPI is payable to the IVA and they are all scrabb...
by Foggy
Mon Sep 17, 2018 4:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Best News Ever
Replies: 5
Views: 455
Excellent result --- not quite in time for Christmas -- but, hey .... close enough ! :-)
by Foggy
Mon Sep 17, 2018 4:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA whilst in IVA
Replies: 4
Views: 452
You will fail the required credit check. There should be no need for one if your expenses have been correctly calculated and your spending habits adjusted to suit. As said most arrangements do allow for credit up to £500, but this is usually taken up with things like electricity and gas on credit me...
by Foggy
Mon Sep 17, 2018 4:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: Deposit refund
Replies: 3
Views: 383
I would say to keep it --- it is not a windfall, it is money you have already paid out being returned. Also, if it were to be considered a windfall, assuming you have the usual clauses, it is less than the trigger amount of £500.
by Foggy
Mon Sep 17, 2018 12:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Last year of my IVA
Replies: 3
Views: 727
That figures -- they appear to be falling apart !

Write direct to your IP, email followed up by a copy by recorded snail mail. You can get the details via your entry on the insolvency register.
by Foggy
Mon Sep 17, 2018 8:08 am
Forum: Ask IVA Forum and Industry experts
Topic: Tenancy checks post IVA
Replies: 2
Views: 511
Hi, in May 2016 I went into an IVA and in October 2017 I made a fully and final settlement and now have my completion certificate. I am in need of some urgent help, I live with my partner and his parents at present, his parents feel they want to ‘down size’ due to expenses and they rent the house w...
by Foggy
Mon Sep 17, 2018 6:50 am
Forum: Ask IVA Forum and Industry experts
Topic: Could an iva work for me?
Replies: 3
Views: 658
All unsecured debts have to be included in an IVA and, yes £500 per month on a £60k debt sounds workable. But whether an IVA is the best way to go depends on many other factors and you do need to have a chat with a couple of firms to compare advice and to work out an accurate Income and Expenditure ...
by Foggy
Mon Sep 17, 2018 6:47 am
Forum: Ask IVA Forum and Industry experts
Topic: No completion certificate
Replies: 4
Views: 693
Aperture have been in a bit of a mess of late, with recent acquisitions causing enormous backlogs. They were never the fastest to begin with ! I would suggest that you make a formal complaint, in writing, by recorded delivery (keeping copies). This can be escalated to their regulators if no fruitful...
by Foggy
Mon Sep 17, 2018 6:41 am
Forum: Ask IVA Forum and Industry experts
Topic: CCJ still on credit file
Replies: 3
Views: 668
As the CCJ was in effect for more than 30 days it will appear on your credit file and remain there for 6 years. The IVA and CCJ should drop off in 2021. Until them your credit file is shot anyway.
You do not have to continue servicing the CCJ.
by Foggy
Sun Sep 16, 2018 7:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mobile Phone Contracts
Replies: 2
Views: 640
It is possible, but you will be unlikely to increase agreed allowances in this regard. I got a new contract with T-Mobile ( as was -- now EE) during my IVA with no problem.
by Foggy
Sun Sep 16, 2018 3:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: CCJ still on credit file
Replies: 3
Views: 668
Was the debt that the CCJ relates to included in the IVA ? When was the CCJ issued and when did the IVA start?
Search found 26871 matches Page 1 of 1792