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Search found 1363 matches Page 1 of 91
by MerlinL14
Tue Jul 17, 2018 6:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: My IVA is failed due to breach of contract
Replies: 5
Views: 250
I think you may have shot yourself in the foot. Not only will your IP be feeling wronged but your creditors will be livid that you have in effect deceived them and attempted to pay a lesser dividend than the proposal due to you hiding assets. Chances are, like Foggy says, that the creditor petitioni...
by MerlinL14
Tue Jul 17, 2018 5:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Clearing up credit file
Replies: 3
Views: 108
Any note of default or partially settled make not one iota of difference until the 6 year date is reached. Your creditor will not even go through the motions of amending anything, including what you may think of as being recorded incorrectly, until that date. Things like this, although troubling to ...
by MerlinL14
Tue Jul 17, 2018 5:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help!
Replies: 2
Views: 127
First off, sorry to hear of your troubles. You need to initiate and start communicating with your IVA company, after 4 years they don't want you to fail either. Communicating your story and current situation is the best way forward, your IP has several options and solutions they can adopt, stopping ...
by MerlinL14
Tue Jul 17, 2018 2:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: Do I have to give Creditfix access to my bank account
Replies: 8
Views: 232
Is this a 'new thing'? Banks are always grinding on about not allowing access to our accounts, so I seriously doubt they would condone it. If you feel uncomfortable with the process then get CF to highlight where in your proposal or chairman's report it says you HAVE to. I would not have been happy ...
by MerlinL14
Tue Jul 17, 2018 7:05 am
Forum: Ask IVA Forum and Industry experts
Topic: I cancelled my IVA but haven't heard anything
Replies: 3
Views: 327
Everything depends on at what stage you cancelled the IVA. If it was before the creditors meeting then no action would have been taken by the IVA company, if it was after the meeting and you had signed the proposal then I am surprised that the IP has not contacted you. You need to supply a bit more ...
by MerlinL14
Mon Jul 16, 2018 5:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Why was PPI money paid to IP
Replies: 5
Views: 533
Also, as an aside. If you used a claims company to get the refund then you may end up in debt again as your ex IP is under no obligation to refund them their 30% or so cut of the refund!
by MerlinL14
Mon Jul 16, 2018 5:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: Why was PPI money paid to IP
Replies: 5
Views: 533
It does sound like a total misunderstanding, but nothing is underhand. Black Horse are just complying with instructions that have been dealt with in a court of law and is now standard practise. It is your ex IP who you need to communicate with and get a full and documented break down of who it is he...
by MerlinL14
Mon Jul 16, 2018 5:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should I pay my Council Tax debt
Replies: 4
Views: 541
My council tax was ring fenced as a utility same as Gas, Lekkie and Water, as I was not in arrears nothing changed through the whole 60 months of the IVA.
by MerlinL14
Sat Jul 14, 2018 6:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Drum roll.....
Replies: 16
Views: 1192
Asda is open until 8PM, still enough time to pop out and get a couple of bottles of plonk :D . I really hope you have got over these hurdles now.
by MerlinL14
Fri Jul 13, 2018 6:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: How can Creditfix justify the additional £11,000 just because we want to settle
Replies: 16
Views: 1629
Need to point out that Creditfix has suspended all full and final offers until they can sort out "paperwork" issues - this is probably not the best time to do anything that involves them. Is it wise to approach the creditors individually to offer settlement fees seeing as Creditfix are ha...
by MerlinL14
Fri Jul 13, 2018 6:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: How can Creditfix justify the additional £11,000 just because we want to settle
Replies: 16
Views: 1629
The interest would have been frozen to facilitate an initial figure to achieve, as rates can and do change there is no way for creditors to say exactly what that figure would be over the term of the IVA, what they would and can do is calculate the final sum based on statutory interest which I believ...
by MerlinL14
Fri Jul 13, 2018 1:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: How can Creditfix justify the additional £11,000 just because we want to settle
Replies: 16
Views: 1629
Your original debt would have been calculated at the time of the IVA proposal, the £19k would have been set as the maximum amount to be paid back given the figure of disposable income. @ £180 a month that is only £10,800 over 60 months, you need to be aware that you will still owe the full amount of...
by MerlinL14
Fri Jul 13, 2018 8:15 am
Forum: Ask IVA Forum and Industry experts
Topic: Not enough Thank You's
Replies: 10
Views: 1813
Hats off to all of you !!!! I am still in my IVA ( waiting for cc ) but agree , it would be nice to see what the outcome of advice given here amounts to. I really appreciate all the help and advice given and hope people do share outcomes etc. I will update when my CC arrives if anybody is intereste...
by MerlinL14
Thu Jul 12, 2018 3:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: Not enough Thank You's
Replies: 10
Views: 1813
I have been a member on here since the inception of my IVA and increasingly have been noticing that people pose questions, which get several answers, support and advice. Normally from the forum experts who do an outstanding job policing the threads and posts to stop snarky and impolite answers (I ha...
by MerlinL14
Thu Jul 12, 2018 2:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Endless task
Replies: 5
Views: 1726
It really does become a real PITA when all you are asking for is some closure on the 5 to 6 years previous that took a lot of strength, commitment and will power to accomplish. I feel you will have to contact Equifax, again, to get the notice of correction removed. I feel your pain :cry:
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Search found 1363 matches Page 1 of 91