Search found 1358 matches

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Search found 1358 matches Page 1 of 91
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: 250
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: 250
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: 3
Views: 255
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: 909
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: 1354
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: 1354
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: 1354
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: 1540
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: 1540
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: 1451
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:
by MerlinL14
Thu Jul 12, 2018 2:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: Childcare 30 Free Hours
Replies: 2
Views: 1427
Technically yes, any increase in income or saving from depreciation of an outgoing bill should be paid to the IVA.
by MerlinL14
Mon Jul 09, 2018 6:17 pm
Forum: IVA approved!
Topic: Approved!
Replies: 5
Views: 2284
Congratulations. Hindsight is a wonderful super power, none of us seemed to have it either. Good luck.
by MerlinL14
Mon Jul 09, 2018 12:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: PPI claims while in an IVA
Replies: 3
Views: 2380
I am surprised the payee didn't make the necessary checks to see that you are insolvent before paying you directly! You need to come clean to your IVA company, speak directly with you IP rather than a desk jockey as he/she will be more understanding and have answers immediately to hand.
by MerlinL14
Mon Jul 09, 2018 9:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Variation fee reducing the dividend by too much
Replies: 5
Views: 2557
I echo Lisa's statement, put the £111 away, don't be tempted to spend it. If the variation fails or it takes too long and you back out of it then you have at least got the money to make your payments up to date without any hardship. CF are making a right pigs ear out of their 'new' procedure and it ...
by MerlinL14
Fri Jul 06, 2018 5:38 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA accepted on Monday, bailiffs turned up on Thursday
Replies: 7
Views: 3726
As has been said, you are protected, by a court order in fact. The debt collectors will know that and as Foggy says call the Police if they return as intimidation and causing distress is a criminal matter not a civil matter like the debt they recon you owe. I can't empathise your distress as I never...
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Search found 1358 matches Page 1 of 91