Search found 323 matches

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Search found 323 matches Page 1 of 22
by Radish
Sun Aug 19, 2018 11:55 am
Forum: Ask IVA Forum and Industry experts
Topic: Iva and windfall
Replies: 16
Views: 595
Its very hard losing a windfall when you have been living frugal whilst on an IVA. It happened to me when I had to have £6k over. Money I never expected. The long term picture is that I had debt freedom at the end of it all. I do think that you should be able to keep some of a windfall - there is a ...
by Radish
Sun Jul 29, 2018 12:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Switching from a DMP to an IVA
Replies: 6
Views: 5701
Would any be able to advice on this scenario - Would you be liable for the lost interest (if you had a windfall) for the £25.000 that is currently owed or would it revert back to the original £40k? if switched to from the DMP to an IVA Obviously you can pay more than the amount you owe on an IVA as ...
by Radish
Sun Jun 10, 2018 12:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: Temporary increase in tax credits
Replies: 4
Views: 5420
Totally know what you went through - exactly the same for me. I joined this forum towards the end of my IVA and wish I had been on sooner. With the advice on here I would have stood up for myself more. The worse part for me was when I claimed back near £6k in PPI, all of which I did myself so DFD go...
by Radish
Sun Jun 10, 2018 9:15 am
Forum: Ask IVA Forum and Industry experts
Topic: Temporary increase in tax credits
Replies: 4
Views: 5420
A few of us have had problems with Tax credits. I was put on higher payments because of tax credits despite the fact I told them I would lost them in 18 months. When I asked for a decrease a couple of years later, I was told that I could only do this if I capped the decrease on the end of the IVA an...
by Radish
Sun Jun 10, 2018 8:28 am
Forum: Ask IVA Forum and Industry experts
Topic: How long till a completion certificate?
Replies: 37
Views: 6050
I can only add my own experience - I seem to remember mine took around 8 months to come in the post. This was in 2014 though, hopefully it's a bit quicker now.
by Radish
Sun Jun 10, 2018 8:24 am
Forum: Ask IVA Forum and Industry experts
Topic: Paid off priority debts with a lump sum
Replies: 3
Views: 5503
I would suggest its the creditors who have the last say? the IVA firm at literally recovery agents who represent the people you owe money too, from my experience they are far more sympathetic. You should probably have told your IVA company your intention so they could meet with the creditors on your...
by Radish
Sun May 20, 2018 1:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit card!
Replies: 7
Views: 5546
I applied for a starter Barclaycard around 1 year after my IVA was complete and tended to use it small - around £20 - £50 in a month and paid it off. I sometimes deliberately didn't pay it all off so they could charge me a small amount of interest before I settled up. My credit limit went up over th...
by Radish
Sun Feb 25, 2018 2:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: Quick Survey
Replies: 14
Views: 1678
Done :)
by Radish
Sun Feb 18, 2018 12:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: Life after an IVA
Replies: 5
Views: 3285
Totally echo your words. My own IVA was the best thing I ever did. Only thing I would tall anyone is about a level of consistency throughout it and not make mistakes that I did - from my own experience, I had a marriage break up, moved house three times and had tax credits stop in the middle of it, ...
by Radish
Sun Feb 11, 2018 1:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am thinking of opening a karate club. How can I work this with my IVA?
Replies: 7
Views: 3222
You and me both - certainly a good feeling once you manage to get the suits white again :lol:
by Radish
Sun Feb 11, 2018 1:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: CreditFix - Full and Final
Replies: 6
Views: 3379
Thanks Foggy :D
by Radish
Sun Feb 11, 2018 12:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: CreditFix - Full and Final
Replies: 6
Views: 3379
My parents where going to lend + contribute - to me the money to pay my IVA off 5 months before the last payment to the exact amount I would have paid during that time (£1.500 I think) but I never preceded when I was told that. although I would have paid the money early - my last payment date would ...
by Radish
Sun Feb 11, 2018 12:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am thinking of opening a karate club. How can I work this with my IVA?
Replies: 7
Views: 3222
You may be able to add your laundry bill too into your expense's? Those big white suits are not cheap to keep clean.
by Radish
Sun Jan 14, 2018 2:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: CreditFix and Completion Certificates - your experience!
Replies: 10
Views: 3656
Mine took about 9 months, it was the PPI back in them days (2014) that held things up. Seems quicker these days.
by Radish
Sun Dec 17, 2017 1:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: SOMEOME HELP
Replies: 5
Views: 6064
I remember the early part of my own IVA application. The amount increasing from £260 to £295 a month through various parts been rejected from the creditors themselves. It seems normal practice for them to tweak a few things - they are a business at the end of the day but it should be within what you...
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Search found 323 matches Page 1 of 22