Search found 1439 matches

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Search found 1439 matches Page 1 of 96
by MerlinL14
Thu Sep 20, 2018 1:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will my IVA fail
Replies: 6
Views: 380
I doubt they will start fraud proceedings, as a lender they also have a duty to make sure you can afford the loan repayments. Scare tactics to possibly get you to pay the loan off before you go into an IVA. Put it on the back burner and continue with your plan 'A' .
by MerlinL14
Wed Sep 19, 2018 2:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: When can you get a loan post IVA?
Replies: 2
Views: 740
I don't wish to sound too negative but lending friends a large sum of money has proved to others to be a recipe for disaster. Taking into account your friend hasn't got the greatest track record in managing current debt (been there done that) I would err on the side of caution. Even now, after being...
by MerlinL14
Mon Sep 17, 2018 5:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: Best News Ever
Replies: 7
Views: 1306
Result, congrats Louise.
by MerlinL14
Sun Sep 16, 2018 5:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: My IVA didn’t work for me
Replies: 3
Views: 1662
So sorry your IVA has left you feeling so hostile about the process and outcome. You are a minority though and I would describe most IVA's to be faultless and a great solution for becoming debt free and budget savi for the future.Most IVA's, as borne by the tiny percentage who use this journey that ...
by MerlinL14
Fri Sep 14, 2018 10:32 am
Forum: Ask IVA Forum and Industry experts
Topic: Managing money
Replies: 13
Views: 2444
Once your IVA payment has gone out, and all your DD's are accounted for and budgeted for then your disposable cash that remains is pretty much for you to spend on 'whatever'. Listing £200 for food does not limit you to exactly this amount, if you draw from another listed expense i.e. fuel then that ...
by MerlinL14
Fri Sep 14, 2018 10:28 am
Forum: Ask IVA Forum and Industry experts
Topic: Do I have to include children's DLA in my IVA income?
Replies: 4
Views: 2145
You do have to include it as an income, however you can account for it all as an expense. Your IP should be made fully aware of this in your I&E report. Give him/her a call if you think it may cause a problem.
by MerlinL14
Mon Sep 10, 2018 5:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Flying by
Replies: 11
Views: 3658
Mrs_Brown wrote:
Hahaha!! I did have a horrible headache today, but don't think it was the amaretto, although I probably did drink more than one measure. I'm too poor to have luxuries like owning a measuring tool (my excuse and I am sticking to it!)


:lol: :lol: :lol: :lol:
by MerlinL14
Sun Sep 09, 2018 7:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Flying by
Replies: 11
Views: 3658
Great post Mrs_Brown. I was, like you, amazed at just how calm I was after just 1 year of being in my IVA. Even the postman couldn't believe how few bills he had delivered to me :D :D . We still shop like we had to during the IVA, but do 'slip' now and again when we see something nice, but it has to...
by MerlinL14
Thu Sep 06, 2018 5:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA paid and completed
Replies: 2
Views: 4480
I got a refund from GT once my IVA was complete, it took them about 13 months though. Wasn't expecting it and it was a nice change from having to pay over all my PPI and Tax rebates. Amazingly they took a cut of the final interest total as 'administrative costs' which I thought was rather cheeky as ...
by MerlinL14
Wed Sep 05, 2018 1:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Current account
Replies: 5
Views: 4739
A little more light at the end of the tunnel recovering :D
by MerlinL14
Mon Sep 03, 2018 8:49 am
Forum: Ask IVA Forum and Industry experts
Topic: Last payment has gone today
Replies: 9
Views: 5131
Congratulations SteveUK, good luck in your debt free future.
by MerlinL14
Sat Sep 01, 2018 5:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA cancelled
Replies: 4
Views: 5477
It can't be as simple as you were away and missed a few payments. There would have been a conversation trail be it email, phone calls or letters. Your IP has little interest in failing your IVA, it is best for all parties that it could continue.
by MerlinL14
Fri Aug 31, 2018 5:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I keep reclaimed bank charges when in an IVA?
Replies: 6
Views: 5260
Careful if this is a claims company, as your IP would want all the refund, leaving you to pick up the commission costs of the claims company.
by MerlinL14
Wed Aug 29, 2018 3:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Accepted
Replies: 7
Views: 4816
Congratulations Rachel, first steps to a debt free future. :D
by MerlinL14
Wed Aug 29, 2018 3:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Budget related question
Replies: 6
Views: 4805
Bonus, bet you didn't budget for a free lunch!
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Search found 1439 matches Page 1 of 96