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Search found 14596 matches Page 1 of 974
by Adam Davies
Mon Jul 18, 2016 7:00 am
Forum: Ask IVA Forum and Industry experts
Topic: Looking for mortgage advisor.
Replies: 18
Views: 3602

Hi My advice is to use a mortgage broker such as Ryan or Shaun, you can go alone as Sponge has done but you must know how the mortgage market works otherwise you will receive rejection after rejection and ruin any chance of a mortgage offer The question of declaring a completed IVA has been well deb...
by Adam Davies
Wed Jul 13, 2016 8:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Secure Trust closing current accounts
Replies: 21
Views: 6791

Hi Sam Mond has contacted me to say To coincide with Secure Trust Bank exiting the market and to lower the barriers for entry, icount are (from tomorrow until 30th September) refunding the £4.95 application fee to anyone that applies for a Monthly tariff account and loads a minimum of £20 within 30 ...
by Adam Davies
Mon Jul 04, 2016 4:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: I don't know whether to fill out the PPI pack or what to do ?
Replies: 8
Views: 3290

Hi

We must respect Lisa's professional and experienced advice and opinion on this matter
She is certainly not detached from the reality of being in an IVA

Regards
by Adam Davies
Wed Jun 29, 2016 2:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Desperate for effective advice please.
Replies: 6
Views: 2891

Hi

I have changed the original posters username

Regards
by Adam Davies
Mon Jun 20, 2016 6:28 am
Forum: Ask IVA Forum and Industry experts
Topic: I would like to sell my property
Replies: 5
Views: 2368

Hi

If you are in an existing IVA then you will need to contact your Insolvency Practitioner and inform them of your plans

Regards
by Adam Davies
Mon Jun 20, 2016 6:27 am
Forum: Ask IVA Forum and Industry experts
Topic: How long does it take, after papers signed, it find out if IVA has been accepted ?
Replies: 8
Views: 2716

Hi If you have just had an initial meeting there is still quite a way to go, HB will need to gather documentation from you, verify information and put a proposal together for your creditors. A creditor meeting date will be set and after the meeting you will be informed about the outcome of your IVA ...
by Adam Davies
Tue Jun 07, 2016 5:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: Secure Trust closing current accounts
Replies: 21
Views: 6791

Hi I can vouch for the Iccount http://icount.co.uk/ It is headed up by Sam Mond, David's son [Cleardedbt], who I have met on a number of occasions These accounts are useful because you never find yourself with extra unexpected charges and are open to all. A good way forward if you are looking to ent...
by Adam Davies
Mon Jun 06, 2016 5:20 am
Forum: Ask IVA Forum and Industry experts
Topic: Do you have to complete an extra year of your IVA if you cannot access equity ?
Replies: 17
Views: 3778

Hi It seems poor service on the part of your IVA company, however my advice is to pay the remaining 9 months so that your IVA can complete and you can then look to get the motability car Do you have a family member or friend that could offer the remaining payments in one lump sum so that you could c...
by Adam Davies
Mon Jun 06, 2016 5:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Sorry again
Replies: 3
Views: 1548

Hi

Yes I would put it under sundries and enclose a note

Is your IP aware of the DWP overpayment ?

Regards
by Adam Davies
Mon Jun 06, 2016 5:09 am
Forum: Ask IVA Forum and Industry experts
Topic: My IVA completed in 2011. Can you please confirm the legalities of the 'Green v Wright' case ?
Replies: 72
Views: 11525

Hi Not quite sure what the problem with Cloudy.45 is, I am the only person that can remove posts and have not had the need to do this. Your contact request has been sent to the other poster and they can make the decision to contact you or not Your tone of posting is now outside of the forum etiquett...
by Adam Davies
Mon May 30, 2016 6:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: If IVA is in my name, and my partner gets a substantial payrise, can the IVA take any of it ?,
Replies: 5
Views: 2557

Hi At your annual review you will be asked to state your partners income, this increased income may increase your share of the disposable income and hence your IVA payments may increase. If your partner decides not to co-operate by withholding her income details [quite within her rights to do this]y...
by Adam Davies
Mon May 30, 2016 5:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: I asked if I could keep money returned from error 9 years ago by mortgage company.
Replies: 6
Views: 2460

Hi

As others have already stated this money will have to be paid into your IVA

Regards
by Adam Davies
Mon May 30, 2016 5:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can anyone vouch for these companies, the reviews are very up and down.
Replies: 11
Views: 2542

Hi

Do not pay any money over until the Trust Deed has been accepted by your creditors

Regards
by Adam Davies
Mon May 30, 2016 5:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: How does Equifax work? Several of my debts have been sold on
Replies: 3
Views: 1665

Hi Balance will show as it is until the debt is written off after the IVA concludes. The original creditor/debt should show but may be registered at Experian rather than Equifax. The company purchasing the debt will not report to the credit agency, however if there is a subsequent CCJ this will show...
by Adam Davies
Mon May 30, 2016 5:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: I have around 45/5 payments left ( DFD ) Mum has offered to pay off debt. Any advice ?
Replies: 11
Views: 2965

Hi
Do you have 45 of 60 payments left ?

I would suggest starting at 5k as an offer, there should be some savings on IP fees

Write to your actual IP outlining the offer and stating that it will only be made available if used to conclude your IVA

Good Luck

Regards
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