Search found 1330 matches

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Search found 1330 matches Page 1 of 89
by MerlinL14
Sat Jun 23, 2018 9:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Ppi claim many years after my iva completed.
Replies: 2
Views: 100
PPI has been classed as an asset of an IVA, however 9 years ago it wasn't even thought about by IP's, Banks or debtors so no one knows where that would leave you if the PPI refund was sent directly to you and say you spent it. Would your exIVA company be informed and would they even be bothered, wou...
by MerlinL14
Fri Jun 22, 2018 2:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I cash in some pension?
Replies: 3
Views: 608
I agree with the other posters, cashing in now may put the funds in jeopardy of being snaffled by your IP. Pester them for your CC and as suggested make a formal complaint to your IP.
by MerlinL14
Fri Jun 22, 2018 7:24 am
Forum: Ask IVA Forum and Industry experts
Topic: Waiting for completion certificate
Replies: 6
Views: 794
It doesn't help you, but shows the inaccuracy of their statement; my IVA was removed within 3 days of my IP informing them my IVA was completed. Phone back, explain your situation and see if you get a sympathetic human next time.
by MerlinL14
Thu Jun 21, 2018 1:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Experian.......
Replies: 18
Views: 4037
I hope the dream of a Fiat 500 becomes a reality soon. Nice car and very chic, not that it would suit a past middle age man with his "Christmas podge" still visible :shock: :D
by MerlinL14
Thu Jun 21, 2018 1:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Inaccurate IVA report
Replies: 2
Views: 1011
You need to write a letter rather than sending an email, you can send it 'recorded signed for', that way you have proof it got to it's destination and if your IP never gets to see it then someone in the firm is responsible and liable for lack of communication not you. Your creditors will never know ...
by MerlinL14
Thu Jun 21, 2018 12:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: Amigo rejected my IVA
Replies: 3
Views: 992
Even if Amigo had accepted the IVA your guarantor would still be liable for the payments you missed. We can only offer sympathy and support sorry. It doesn't help you or your guarantor but your situation isn't going to get any better soon so you need to come up with a plan B. Was Amigo the deciding ...
by MerlinL14
Wed Jun 20, 2018 9:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: Time, acceptance rates...
Replies: 10
Views: 1203
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: 4
Views: 1075
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: 6
Views: 1143
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: 1140
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: 1804
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: 1656
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: 1804
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: 2653
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: 2916
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...
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Search found 1330 matches Page 1 of 89