Search found 358 matches

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Search found 358 matches Page 1 of 24
by Radish
Sun Jan 20, 2019 1:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will an IVA affect my home?
Replies: 5
Views: 1328
Would it not depend on how much is owed? There is difference between debts of £10,000 to one of £100,000 surely?
by Radish
Sun Jan 20, 2019 1:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: Balance from PPI
Replies: 3
Views: 1177
I think this is all correct from experience. I received £6,000 PPI with only 4 payments of £300 to make and the whole amount was swallowed up. Did you get the cheque or balance paid directly to you? If they are one of your IVA creditors, don't they sometimes pay it directly into the pot anyway? Take...
by Radish
Sun Jan 20, 2019 1:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: Selling my car
Replies: 6
Views: 736
If you sell on eBay, everything you make is your own. Surely a car comes under this category. I must admit the assets thing of what you can sell and keep confuses me a little? If it is listed as an asset of the IVA, you keep it in your possession, but if you dispose of it the proceeds belong to the...
by Radish
Sun Jan 20, 2019 11:10 am
Forum: Ask IVA Forum and Industry experts
Topic: Selling my car
Replies: 6
Views: 736
If you sell on eBay, everything you make is your own. Surely a car comes under this category. I must admit the assets thing of what you can sell and keep confuses me a little?
by Radish
Sun Jan 13, 2019 10:55 am
Forum: Ask IVA Forum and Industry experts
Topic: Capital one default notice
Replies: 4
Views: 3046
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: 4761
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: 5024
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: 4953
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: 5545
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: 6993
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: 7652
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: 6993
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: 6993
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: 8004
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: 7975
Well done and good luck on the road to debt freedom :)
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Search found 358 matches Page 1 of 24