Search found 1618 matches

Search found 1618 matches Page 1 of 108
by MerlinL14
Fri May 17, 2019 6:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: What happens to PPI if our IP is no longer around?
Replies: 3
Views: 526

Aperture are actively seeking PPI, even from closed IVA. Today I got a letter off the, I was with Grant Thornton, asking to sign paper work to recover PPI. It is going to be fruitless as I personally claimed all PPI for my IVA pot during the IVA, but then it's their fishing trip and will cost me not...
by MerlinL14
Wed May 08, 2019 12:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Has anyone else...
Replies: 4
Views: 951

found it difficult to keep track of posts and navigate round the forum (for me anyway). I have just found it so much more difficult to do anything as well as keep up with and respond to new threads. I still visit, but find that I do not respond to as many threads as I used to.
by MerlinL14
Sat Apr 20, 2019 1:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: Max recovery
Replies: 7
Views: 1314

Believe it or not but Max Recovery are very IVA savvy, they understand the process and once shown the paperwork have no problems in leaving you alone. What they are sending you are annual statements, these I believe should be sent by all creditors, but most don't. Max are just conforming with there ...
by MerlinL14
Wed Apr 17, 2019 1:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: 7 Long Years Later!!!
Replies: 9
Views: 2031

Congrats Louise, it must have been hard over 7 years. But I bet you can see the rewards already, well done and good luck in your debt free future.
by MerlinL14
Fri Apr 12, 2019 10:57 am
Forum: Ask IVA Forum and Industry experts
Topic: credit score to good?
Replies: 9
Views: 1351

More than just the score, your report also needs to demonstrate a solid history of paying back lenders. This is why it is important to have a contract phone, utility bills paid by DD and possibly a credit card that irrespective of the APR is paid back religiously every month on or prior to the due d...
by MerlinL14
Fri Apr 05, 2019 7:31 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA HELP
Replies: 2
Views: 1325

It's not something I bother ed about while in my IVA, I could see that there were some defaulting, some partially settled and others who just showed everything was OK! Until the last throws of your IVA I just wouldn't even bother with how they report as you are shot for credit until the IVA is over,...
by MerlinL14
Thu Apr 04, 2019 5:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will I have to pay into husbands IVA?
Replies: 2
Views: 1250

Your Husbands IVA company have no legal right or any way to force you to divulge your income. You can refuse to co-operate with their requests and just be calculated at 50% of the bills as a factor for them to work out his disposable income.
by MerlinL14
Thu Apr 04, 2019 11:05 am
Forum: Ask IVA Forum and Industry experts
Topic: Petrol allowance in an IVA
Replies: 2
Views: 1269

You will need to speak with your IVA company, this is a huge increase in mileage and cost so unless you speak with them then you just can't arbitrary increase it yourself.
by MerlinL14
Tue Apr 02, 2019 1:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: ** IVA Friendly Bank Accounts
Replies: 11
Views: 1416

Barclays do a basic account, still has visa debit card and direct debit functions.
by MerlinL14
Tue Mar 26, 2019 6:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: vet bills
Replies: 8
Views: 1290

I would speak to your IVA company about a payment break. You really are not allowed to take out further credit and a payment break will not put you back into debt just extend the IVA term by a couple of months to make up the missed payments.
by MerlinL14
Fri Mar 22, 2019 6:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: it's finally arrived!!
Replies: 14
Views: 1641

Congratulations, well done Mark. That smile will last quite a long time.
by MerlinL14
Fri Mar 22, 2019 3:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Attendance allowance
Replies: 2
Views: 1432

I would ditch the Sky TV and new flooring in your report to your IP. Extra fuel, footwear, dressings hospital visits etc can all be used to justify the amount you are getting as the full income in attendance allowance, leaving a zero balance.
by MerlinL14
Thu Mar 21, 2019 6:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is it normal to repay more than you owe in an IVA?
Replies: 5
Views: 1813

You will never pay more than you owe other than the fees for your IP. You could pay more than what was initially calculated during the proposal period based on your Income and Expenditure review.
by MerlinL14
Tue Mar 19, 2019 9:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Parents buying me a car during my iva?
Replies: 4
Views: 2182

If your parents know about your IVA then I would be inclined for one of them to be registered on the V5 and then you just insure it in your name. You could pose this question to your IVA company, as it is clearly a gift it may be excluded as an asset.
by MerlinL14
Tue Mar 19, 2019 8:36 am
Forum: Ask IVA Forum and Industry experts
Topic: Contacted by a Debt Recovery Agency
Replies: 5
Views: 2380

If they continue to send letters then just refuse to speak with them, as has been said this debt is protected under your IVA. Some debt companies take a bit of time before it sinks in, others try to bully you into making a payment plan, do not gets sucked in by them.
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