Search found 128 matches

Search found 128 matches Page 1 of 9
by luna
Fri Jul 19, 2019 5:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Saving money during an iva??
Replies: 6
Views: 1860

Hi,

You can save at least half of whatever you are able to increase your income by or more if you have the 10/50/50 clause based on your agreed payment I believe.
I was lucky enough to get some bonuses so saved quite a bit.
If I'd not been as fortunate I'd have got a second income.

Regards.
by luna
Fri May 03, 2019 2:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Final IVA review
Replies: 4
Views: 1177

Hi

For us it was just the P60 and last few wage slips, nothing else.
by luna
Fri Apr 26, 2019 10:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Stepchange - PPI
Replies: 2
Views: 1011

Stepchange have never bothered with PPI.
Easy to claim yourself though with the resolver tool via Martin Lewis site and pay no fees.
by luna
Thu Apr 04, 2019 6:22 am
Forum: Ask IVA Forum and Industry experts
Topic: Iva possible being a homeowner
Replies: 6
Views: 1309

Hi, An IVA is a great way of protecting your home and equity as you continue to pay your mortgage throughout. We had 200k debt and a lot more equity than you and although I believe there are more ways of re-mortgaging at the end now we could not and our mortgage was paid off shortly after we finishe...
by luna
Fri Feb 15, 2019 11:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will my car finance be cancelled in an IVA?
Replies: 4
Views: 6809

Hi, We had a new car about 3 yrs before our IVA through Lloyds/Blackhorse and refinanced before the IVA started and I'm sure we were able to arrange the new terms well before the 3 yr deal was up, so didn't cause any issue with the IVA. It was just written in that at the end of the new term the paym...
by luna
Wed Nov 07, 2018 4:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: Unsure who to go with for IVA
Replies: 12
Views: 6489

Hi,

Stepchange were excellent throughout for us and their in-house IVA dept works exactly the same as any independent firm. I've said it a few times that they never get any issues raised about their service.

Regards.
by luna
Sun Sep 09, 2018 3:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Annual review towards the end of our iva
Replies: 7
Views: 5747

Hi,

Our final review just consisted of P60's and a couple of wage slips.

CC was in a matter of a few weeks.

Well done, we found them really good throughout.
by luna
Wed Jul 25, 2018 11:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Is this normal?
Replies: 16
Views: 6521

Hi, Payplan get slated all the time, try Stepchange we found them to be great from start to finish. I don't think everyone who seeks advise from them are retained in their in-house IVA dept so it might be down to their criteria but you mention your debts are large and ours were massive so give them ...
by luna
Sat Mar 24, 2018 2:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: 1. Year annual review
Replies: 10
Views: 5211

Hi, We found Stepchange to be great throughout and very quick to issue a CC. They didn't bother us with PPI at all so we're looking forward to seeing what happens when we get round to claiming it. Regarding the reviews as I remember it was P60, 3 months payslips and bank statements , then at equity ...
by luna
Tue Mar 06, 2018 5:34 pm
Forum: Ask IVA Forum and Industry experts
Topic: Step Change experience
Replies: 4
Views: 4991

Hi

We found them to be great from start to finish.

Regards.
by luna
Thu Dec 28, 2017 2:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Are all linked accounts looked at in an IVA?
Replies: 8
Views: 5027

Hi I can only comment on Stepchange through experience and they absolutely do a great job if you stay with their IVA dept. You never hear off any issues on this forum unlike most others and I'm quessing they handle as many cases. No PPI to bother with and very slick completion. Just pointing out the...
by luna
Thu Nov 30, 2017 5:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Setting up an IVA
Replies: 16
Views: 6270

Hi

We found Stepchange to be superb from start to finish so if you stay with their IVA dept you'll be in good hands.
You never hear of any issues with them on this forum.

Good luck.
by luna
Tue Nov 07, 2017 5:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is it correct that any PPI money is mine to keep ?
Replies: 3
Views: 417

Hi

Out of interest who is/was your provider?

Cheers
by luna
Tue Sep 19, 2017 8:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: Private pension
Replies: 11
Views: 714

Hi

We were with StepChange who didn't operate the loan option and our pensions were safe.

The extension for equity was straightforward with just a couple of online refusals.

Also they didn't bother with PPI

Regards.
by luna
Tue May 30, 2017 8:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: ClearScore scores
Replies: 4
Views: 549

Hi

I have a similar score on clearscore and noodle but a 999 score on Experian.
The first two just tell me a negative point is I have no credit cards.
They just seem like broker's to me.
I think Experian is the one most used.
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