Search found 354 matches

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Search found 354 matches Page 1 of 24
by Radish
Sun Jan 13, 2019 10:55 am
Forum: Ask IVA Forum and Industry experts
Topic: Capital one default notice
Replies: 4
Views: 1697
Capital one tried to block my IVA before it began. I owed over £20,000 to all the other creditors combined, but only owed them (Cap-One) £200,.Obviously they tried to do what was best for them, offering me interest free instalments after they made it clear it wouldn't benefit them if my IVA goes ahe...
by Radish
Sun Jan 06, 2019 10:57 am
Forum: Ask IVA Forum and Industry experts
Topic: Can i change my iva payment date
Replies: 4
Views: 3437
I changed mine. I got paid on the same day every month so wanted the monies for this and everything else (council tax, rent etc.) out of my account so I could budget with what was left. . Wasn't a problem. The V in IVA does stand for voluntary after all. Cant see the IP having a problem with it and ...
by Radish
Sun Jan 06, 2019 8:58 am
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA mortgage
Replies: 5
Views: 3698
From my experience I applied for a credit card with a low limit just to build my score up. The £800 became £41000 in less than 3 years. My credit score has gone through the roof in that time. I would say small steps. Just to add a point. I have almost all of the amount available, the old me from 10 ...
by Radish
Sun Jan 06, 2019 8:45 am
Forum: Ask IVA Forum and Industry experts
Topic: Final Payment made
Replies: 5
Views: 3625
Couldn't agree more, barring winning the lottery, it is probably the only feasible way to be debt free in the long. The 5/6 years does pass.
by Radish
Sun Dec 30, 2018 8:59 am
Forum: Ask IVA Forum and Industry experts
Topic: Letter from creditor after iva completed
Replies: 5
Views: 5541
I received one like this once and panicked, I rang the firm up and they told me it should have gone through their shredder but somehow was posted out in error.
by Radish
Sun Dec 23, 2018 10:58 am
Forum: Ask IVA Forum and Industry experts
Topic: Over the moon yet slightly underwhelmed
Replies: 11
Views: 6991
Well done and keep that letter safe never know if you will need it again! Keep checking the Insolvency Register as well - it could take 3 months to disappear. I personally scanned my certificate at work (although could have done this at the local library) and saved a copy into my email folder and o...
by Radish
Sun Dec 23, 2018 10:55 am
Forum: Ask IVA Forum and Industry experts
Topic: Xmas bonus
Replies: 6
Views: 7650
If overtime and bonuses are 10%ignore then 50/50 - why cant windfalls and PPI pay-outs also be the same as this?

Sorry I am like a broken record with this lol.
by Radish
Sun Dec 23, 2018 10:38 am
Forum: Ask IVA Forum and Industry experts
Topic: Over the moon yet slightly underwhelmed
Replies: 11
Views: 6991
Well done. Nice, if disappointing, Christmas present. Mind you -- it isn't as though many of us would frame them and hang them on the loo wall, but the marching band and cheerleaders would have been nice :-) Dubious fashion statements ??? I never thought to blame the IVA for my poor choices --- but...
by Radish
Sun Dec 23, 2018 9:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Over the moon yet slightly underwhelmed
Replies: 11
Views: 6991
Totally agree with you. I visualised Champagne on ice after the last payment is made. By the time it comes its hard to have that mentality. I don't think you will regret the IVA once the dust settles and you regroup though. A thank you letter or a few words of appreciation with the certificate would...
by Radish
Sun Dec 16, 2018 9:31 am
Forum: Ask IVA Forum and Industry experts
Topic: DFD IVA transferred to who?
Replies: 3
Views: 8001
Wow - did your IVA last 9 years? seems a long time.
by Radish
Sun Dec 16, 2018 9:25 am
Forum: Ask IVA Forum and Industry experts
Topic: Iva accepted yesterday!
Replies: 8
Views: 7971
Well done and good luck on the road to debt freedom :)
by Radish
Sun Dec 09, 2018 11:10 am
Forum: Ask IVA Forum and Industry experts
Topic: Is this a scam?
Replies: 6
Views: 8617
I received a text message the other day saying Argos are refunding me over £200 - and the text that came said "Argos" - I referred to Doctor Google which informed me that this is a scam and not to click the link sent.
by Radish
Sun Dec 02, 2018 12:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: Saving on budget in an IVA
Replies: 4
Views: 8507
Being frugal can reap dividends. nice bottle of Champagne for the day when you IVA is complete?
by Radish
Sun Dec 02, 2018 12:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paying more than agreed?
Replies: 9
Views: 8554
Thanks Foggy

I'm still scarred today, but in a good way. I think twice before I spend what I cant afford. If it had been easy I wouldn't have the same mindset :)
by Radish
Sun Dec 02, 2018 7:19 am
Forum: Ask IVA Forum and Industry experts
Topic: Paying more than agreed?
Replies: 9
Views: 8554
In my own IVA, when I was earning more, I was expected to pay more, when I was receiving less, and couldn't make the payments, they were capped onto the end of the IVA. It doesn't feel like its meant to work out in our favour for a lot of the time, however, whenever I do the maths, the same thing ke...
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Search found 354 matches Page 1 of 24