Search found 1532 matches

Search found 1532 matches Page 1 of 103
by MerlinL14
Wed Jan 16, 2019 9:26 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I sell my house whilst waiting for completion certificate?
Replies: 5
Views: 221
I agree with Foggy, although it is possible it would be ill advised to do so until you have been released from the IVA with your completion certificate.
by MerlinL14
Thu Jan 10, 2019 2:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can the IVA take my pension now it has completed?
Replies: 2
Views: 1838
No. Once you have the completion Certificate and windfalls, pension payout, lottery wins etc are yours to keep.
by MerlinL14
Thu Jan 10, 2019 8:34 am
Forum: Ask IVA Forum and Industry experts
Topic: We can't pay anymore
Replies: 4
Views: 2182
Sorry, I didn't realise that it was just your Husband in the IVA, as Foggy says if you are not then you are responsible for the debt as a joint signer.
by MerlinL14
Wed Jan 09, 2019 6:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: 2nd Creditors Meeting
Replies: 8
Views: 2173
I don't think anyone on here would tell you to "jog on". We all know and understand our failings to those we owed money to. The vast majority of us would not even think of lying about our debts to 'swindle' money out of genuine creditors or use a lie to pad out the figures. Good luck any w...
by MerlinL14
Wed Jan 09, 2019 6:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Iva finished last year but heard nothing from Aperture
Replies: 5
Views: 2125
You need to start a dialogue with Aperture over this. There may be a bit of crossed communication within the departments as Aperture are renowned for not always getting it right! Speak to them asap otherwise you will just get more frustrated.
by MerlinL14
Wed Jan 09, 2019 6:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: We can't pay anymore
Replies: 4
Views: 2182
Ignore any letters or requests from creditors listed in your IVA they have no rights to contact you. Phone your IVA company and report this to them, they should take any action required to get them to stop. Don't fret too much as they can not demand any monies from you and you should not converse wi...
by MerlinL14
Wed Jan 09, 2019 12:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post of the Month
Replies: 4
Views: 3391
Just to let you know the vouchers turned up in the post just now. Wife is going to donate them to the Dogs Trust, help for homeless peoples pets.
Thanks you.
by MerlinL14
Mon Jan 07, 2019 7:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: My Iva has been accepted today
Replies: 6
Views: 2771
Congratulations Kevin, I( know exactly the feeling of the weight of debt being lifted. Good luck in your future.
by MerlinL14
Sun Jan 06, 2019 8:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: full and final settlement
Replies: 6
Views: 2923
You could always drop the first suggested figure to 20k and see if that would be accepted. Always indicate that the money is only available from a 3rd party for a settlement figure and is not available for any other purpose.
by MerlinL14
Sun Jan 06, 2019 2:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Final Payment made
Replies: 5
Views: 3227
That last payment feeling is almost as good as the first payment knowing you have made strides to get out of debt. Congratulations, and I agree, an IVA was the best option for me and my wife. It has made our life so much fuller now we are debt free.
by MerlinL14
Sun Jan 06, 2019 2:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can i change my iva payment date
Replies: 4
Views: 3039
During my IVA I started a new job that had a different pay day to what I started with, 4th of month. Changed to last Friday of the month, when I phoned my IVA company there was no issue in changing the day of my payment.
by MerlinL14
Sun Jan 06, 2019 2:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Addison Hunter?
Replies: 11
Views: 6221
Thanks for posting this, we tend to drop our guard when our "backs are to the wall" and it wouldn't take too much 'flannel' to believe that you needed to have a conversation with companies like this. Glad you were savvy enough to blank them.
by MerlinL14
Sat Jan 05, 2019 2:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post of the Month
Replies: 4
Views: 3391
Thanks. I hope my post gives hope and inspiration to those who feel that their IVA is getting them down.
by MerlinL14
Wed Jan 02, 2019 9:38 am
Forum: Ask IVA Forum and Industry experts
Topic: Critical Illness payout whilst in an IVA
Replies: 3
Views: 4277
You would need to look at your proposal, there may be information in there that outlines such payments. Failing that you need to contact your IVA company and pose the question directly to them.
by MerlinL14
Fri Dec 28, 2018 2:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: Another year debt free
Replies: 3
Views: 5688
I am not writing this to boast but I am blowing my own trumpet. Pre IVA I was just too blase about money and debt to care about the future. Oh my God what a wake up finding that I couldn't keep going with unsustainable borrowing, you know that feeling that the brick is going to hit you but you can't...
Search found 1532 matches Page 1 of 103