Search found 26913 matches

Search found 26913 matches Page 1 of 1795
by Foggy
Tue Sep 25, 2018 10:01 am
Forum: Ask IVA Forum and Industry experts
Topic: Is my car on finance included in an IVA?
Replies: 3
Views: 728
They should be included for £1 if the debt is covered by the value of the car - or more if there is a shortfall/negative equity that can be calculated. Only as a potential debt if the loan is called in and there is a shortfall, surely. If this is secured on the vehicle it cannot be included as it is.
by Foggy
Tue Sep 25, 2018 6:57 am
Forum: Ask IVA Forum and Industry experts
Topic: Some questions on completion
Replies: 1
Views: 103
1, should I be concerned as no payment sent to creditor since Mar?(1 of 5 creditors, but two accounts with them) No -- creditor statements are not reliable as creditors account for IVA receipts outside of the normal account, which will have been frozen. 2, is 6 months a reasonable timescale 6 months...
by Foggy
Tue Sep 25, 2018 6:54 am
Forum: Ask IVA Forum and Industry experts
Topic: Delayed outcome from creditors meeting
Replies: 1
Views: 214
This is becoming the norm for CF -- they appear to be the only firm at the moment having these troubles as a matter of routine. I suspect there is something in their procedures creditors don't like, or is simply not working. They do, often, seem to swing results after a bit of work and delay though.
by Foggy
Tue Sep 25, 2018 6:51 am
Forum: Ask IVA Forum and Industry experts
Topic: In an IVA and thinking of moving to Australia
Replies: 2
Views: 223
You can service an IVA from abroad -- remember to take account of currency fluctuations. Australia is very picky with visa's so I have no idea whether an IVA would be a hurdle -- best to ask their immigration people directly.
by Foggy
Tue Sep 25, 2018 6:49 am
Forum: IVA completed !!
Topic: Freeman Jones delay in sending completion certificate
Replies: 4
Views: 253
Thanks Foggy, as you can appreciate I'm just frustrated and wanted to vent- so close yet so far...and wanted to know if anyone else is going through the same delays as I'm facing , its just everyone else I've spoken to have got there certificate much quicker than this!!! -Just want to move on with ...
by Foggy
Mon Sep 24, 2018 6:59 pm
Forum: IVA completed !!
Topic: Freeman Jones delay in sending completion certificate
Replies: 4
Views: 253
I am sorry, but I have to disagree with the advice given to you thus far. A 6 month admin period is built in to your agreement. Now, some firms take a few weeks, others exceed the 6 months. The average being 2 to 3 months. Until all claims are finalised the IP will be unable to make up final account...
by Foggy
Mon Sep 24, 2018 5:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Experian
Replies: 3
Views: 255
Let's hope they have caught up with reality at last !
by Foggy
Mon Sep 24, 2018 5:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Full & Final offer
Replies: 4
Views: 276
Hi there I was wondering if you could give me some advice on my Iva . I have made 3 payments so far into my Iva totalling £300 . I currently have £8100 worth of payments left to make , if a third party was to gift me £8100 as a full and final settlement what do you think my chances of it being acce...
by Foggy
Mon Sep 24, 2018 5:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Final notice
Replies: 3
Views: 303
Explain the situation to your IP -- hopefully they will agree a payment break (which will be added back on at the end of your IVA) in order for you to use these payments towards clearing the fine.
by Foggy
Mon Sep 24, 2018 5:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Disputed figures
Replies: 4
Views: 295
Yes, complain to the IP and escalate if need be. The regulators will not actually intervene, but can fine the IP quite heavily if they find him at fault -- this usually gives them cause to look at your complaint seriously in case it hits them in the pocket. Get confirmation in writing regarding the ...
by Foggy
Mon Sep 24, 2018 4:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: Why 6 months to receive comp cert on a F&F?
Replies: 2
Views: 272
In short --- it doesn't ..... usually!. A 6 month admin period is built in to standard Ts&Cs as a matter of course. Most firms take a couple of months, some take a couple of weeks. But, a couple take the full 6 months. Some delay could be down to awkward creditors putting in different claims to ...
by Foggy
Mon Sep 24, 2018 4:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Disputed figures
Replies: 4
Views: 295
Lodge a formal complaint requesting a full written breakdown of their calculations along with a written explanation as to why these figures are wildly different from the figures they calculated at each review and how they could make such significant errors every time. This will give you specifics to...
by Foggy
Mon Sep 24, 2018 4:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: Final offer rejected by CreditFix are trying to overturn
Replies: 2
Views: 288
As I mentioned on a similar thread, Creditfix appear to get themselves into these corners much more often than other firms, but they do often also manage to turn the vote around by getting other creditors to overturn a refusal. Good luck.
by Foggy
Mon Sep 24, 2018 4:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Taken out more debt whilst in an IVA
Replies: 3
Views: 307
The chances are that the IVA will fail, taking you back to square one. This will see the last three years wasted. However, if you keep quiet and it is discovered at following reviews, or at the final review, the IVA could fail then .. taking you again back to square one, but wasting 4, 5 or 6 years ...
by Foggy
Mon Sep 24, 2018 4:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will my partner moving in affect my IVA payment level?
Replies: 1
Views: 273
She will be expected to pay her fair share of household expenses, which will, in some areas, allow you to be paying less towards them -- this will increase your disposable income and, therefore, your IVA payment could increase accordingly.
Search found 26913 matches Page 1 of 1795