Search found 1317 matches

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Search found 1317 matches Page 1 of 88
by MerlinL14
Fri Jun 15, 2018 2:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Leaving the armed forces
Replies: 2
Views: 879
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: 1118
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: 1669
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: 1763
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Topic: Online banking access withdrawn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: 1897
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: 1774
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: 10
Views: 2117
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: 2142
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...
by MerlinL14
Sun Jun 10, 2018 12:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA and immigration status
Replies: 2
Views: 2351
I have no idea, but hopefully an expert will comment on your post soon.
by MerlinL14
Sun Jun 10, 2018 12:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can the debt I am owed be included in my friends IVA?
Replies: 4
Views: 2416
Yes it can, you need to find out who her IP is and make a claim on the IVA. If she refuses to tell you who her IP id you will have to wait until she is in it and then look through the Inconstancy register to get this information. I would write her a formal letter, now, stating your claim to the fund...
by MerlinL14
Sat Jun 09, 2018 7:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: Conpletion Certificate
Replies: 7
Views: 2687
The wording certainly sounds like it is your CC. Congratulations.
by MerlinL14
Fri Jun 08, 2018 11:22 am
Forum: Ask IVA Forum and Industry experts
Topic: Uniform laundry relief
Replies: 3
Views: 2991
I'm of the same train of thought as Foggy, you get an allowance to launder uniform, an income. You launder uniform and it costs the same as the additional income, no gain. Just list it on your I&E as an income and also as an expenditure.
by MerlinL14
Thu Jun 07, 2018 12:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will cycle to work scheme affect my IVA?
Replies: 3
Views: 3288
You should be OK, I know 2 people who are in IVA's who are also in Bike schemes. As suggested I would keep your IP in the loop.
by MerlinL14
Thu Jun 07, 2018 12:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post of the Month
Replies: 6
Views: 3221
Congratulations, it was a great post and well deserved reward.
by MerlinL14
Mon Jun 04, 2018 5:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: We did it!
Replies: 5
Views: 4140
Well done and lets hope your IP pulls their finger out and you get sorted soonest. Congratulations.
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Search found 1317 matches Page 1 of 88