Search found 1324 matches

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Search found 1324 matches Page 1 of 89
by MerlinL14
Wed Jun 20, 2018 9:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: Time, acceptance rates...
Replies: 2
Views: 66
Don't be tempted to make token payments if your creditors contact you, however I would make rent payments as having a roof over your head is more essential than anything else at the minute.
by MerlinL14
Wed Jun 20, 2018 9:43 pm
Forum: a success story
Topic: Completion Certificate is here!!
Replies: 1
Views: 28
Congratulations. To be honest nothing will happen to improve or alter your credit score or records until after the 6 year point, you have a full year left. Just savour the great feeling of getting that CC, have a glass or 5 and relax. Great news.
by MerlinL14
Wed Jun 20, 2018 8:15 pm
Forum: a success story
Topic: Seven years on......
Replies: 5
Views: 155
Great post Firefox, and yes it seems that the lessons learned are ingrained in many of us. I still use a spreadsheet to log every penny we spend and we are still 'scared' to actually spend money on stuff we want, if we don't need it then we don't have it.
by MerlinL14
Wed Jun 20, 2018 2:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditfix I +e review form
Replies: 3
Views: 151
No idea, just fill them out with the amount and who to, I am sure they will be taken into consideration when they work out your payments. If you don't put these bills in then you may end up having to pay more to the IVA pot.
by MerlinL14
Tue Jun 19, 2018 2:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: Getting credit score in order post IVA
Replies: 8
Views: 842
I just got an email off Clear Score about credit scores and records. Below is the main points that they see as key to remaining a good credit record. Not my work so I cite Clear Score: Key factors that could affect your score The age of your accounts Lenders like to see signs of stability. So owning...
by MerlinL14
Tue Jun 19, 2018 1:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Do I have a duty to fill forms from PPI?
Replies: 2
Views: 694
You may wish to speak with a specialist solicitor and get a 'set in stone' answer if it going to bother you too much. Personally I would just sign the forms and send them back, you are not going to see any of the money even if you make loud noises it will make no difference. The definitive answer to...
by MerlinL14
Mon Jun 18, 2018 5:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Getting credit score in order post IVA
Replies: 8
Views: 842
My experience is that it will take a bit longer than the 6 year drop off point. I found that because I had absolutely no financial history after the 6 year point that my score took a while to actually show any increase at all. It was close to 1 1/2 years after the 6 year point that my score started ...
by MerlinL14
Fri Jun 15, 2018 2:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Leaving the armed forces
Replies: 2
Views: 1713
I would also say that his gratuity would be classes as a windfall and would be swept up by his IP. He needs to speak with his IP over this as if the consensus is that he will have to pay it to the IVA then he can defer the pension cash out part of the gratuity payment (commutation of pension) . His ...
by MerlinL14
Thu Jun 14, 2018 9:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: Lump sum to exit IVA early.
Replies: 3
Views: 1978
I also think 7k is a small amount (in the scale of debt) to be offered an IVA, there are other alternatives available that could have been a better option. Proving it was missold is another matter and would be costly to pursue! You would have to declare the overtime as this could lead to your IP con...
by MerlinL14
Wed Jun 13, 2018 8:00 am
Forum: a success story
Topic: IVA Complete - My Payplan Experience
Replies: 4
Views: 2513
A great post. Congrats on getting your life back to some normality.
by MerlinL14
Tue Jun 12, 2018 5:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Approved with Pareto Money!
Replies: 4
Views: 2579
Congrats on achieving the first hurdle, it really is all down hill from here on in. You have control of your finances back, although you won't have a king's ransom each month you will know exactly what you have and how to spend it on the essential stuff. You will start to understand the difference b...
by MerlinL14
Tue Jun 12, 2018 3:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: Online banking access withdrawn
Replies: 4
Views: 2708
I was with Barclays from year 4 in my IVA and found them to be very supporting of the fact I was in an IVA. Only got a basic account to start with, but almost as soon as my IVA dropped off the Insolvency register (3 days after final payment!) my account was upgraded to a full current account without...
by MerlinL14
Tue Jun 12, 2018 3:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Car finance post IVA
Replies: 3
Views: 2588
You can only but ask and find out I'm afraid. Car finance and indeed any finance post IVA is a mine field of answers and decisions that just can not be second guessed. I waited for 3 years post IVA end date before even enquiring about PCP. By then my credit score was good and I had a good record of ...
by MerlinL14
Tue Jun 12, 2018 7:57 am
Forum: Ask IVA Forum and Industry experts
Topic: Experian.......
Replies: 13
Views: 3019
Seems they believe they are a law unto themselves recovering! Nothing much to say other than trying to support you. I have no experience with how Experian conducts it self, I just hope they get it sorted quickly so you can move on. Good luck.
by MerlinL14
Mon Jun 11, 2018 9:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Inheritance payment will mean I will pay more back in an IVA than I owed
Replies: 6
Views: 2957
sorry to jump in on the post... how is inheritance dealt with 'after' an iva? Surely if after closure it belongs to you not creditors unless it was known about before closure?? Or is any future inheritance dealt with same as PPi?? I only ask as we are technically finished just waiting to know equit...
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Search found 1324 matches Page 1 of 89