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by SteveUK
Sat Feb 23, 2019 9:10 am
Forum: Ask IVA Forum and Industry experts
Topic: How can I still be on IVA register
Replies: 7
Views: 4980

mr423 wrote:
Always the same address but different supervisors and updated terms to sign and return.
(my bold)


Say what?

Why would anyone need to agree new terms and conditions?
by SteveUK
Thu Feb 21, 2019 9:03 am
Forum: Ask IVA Forum and Industry experts
Topic: What do i say to creditors when they ring?
Replies: 5
Views: 7769

Just refuse to answer any security questions. Tell them you never answer security questions over the phone and if they want to contact you do it in writing. Then pass any letters to your IP
by SteveUK
Tue Jan 22, 2019 11:39 am
Forum: Ask IVA Forum and Industry experts
Topic: Self employed and Tax Return
Replies: 5
Views: 4931

Definitely speak to the helpline. When I entered an IVA the tax office gave me a new UTR and I had to register a new Govt. Gateway ID.
by SteveUK
Wed Jan 16, 2019 7:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Reversing an IVA
Replies: 5
Views: 5135

How have you amassed enough to pay off all the IVA debts?
by SteveUK
Fri Jan 11, 2019 1:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit file
Replies: 8
Views: 5418

SteveUK wrote:
Creation have done the same to me. So far I have submitted complaints to the ICO about:

Creation
Advantage Finance
Barclaycard

Now we play the waiting game
Ooops I forgot

Nationwide Building society
by SteveUK
Fri Jan 11, 2019 1:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit file
Replies: 8
Views: 5418

Creation have done the same to me. So far I have submitted complaints to the ICO about:

Creation
Advantage Finance
Barclaycard

Now we play the waiting game
by SteveUK
Mon Jan 07, 2019 7:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Right Hand Finance
Replies: 6
Views: 5409

Have you paid them any money?
by SteveUK
Sat Dec 29, 2018 6:20 am
Forum: Ask IVA Forum and Industry experts
Topic: Are QIS Uk ltd in Preston a real company?
Replies: 6
Views: 7825

I class Trustpilot about as trustworthy as a politician who is trying to get elected.
by SteveUK
Wed Dec 05, 2018 3:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit Cleaning problem.
Replies: 3
Views: 8619

They have to default it as of the date it was included in the IVA. Write a letter to the creditor, along these lines, addressed to their data controller: Re: [ account number / reference/ debt details] I entered into an Individual Voluntary Arrangement on dd/mm/yyyy which is shown on the Insolvency...
by SteveUK
Wed Dec 05, 2018 2:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit Cleaning problem.
Replies: 3
Views: 8619

Long story short. I had a motorbike on finance which I VT'd before my IVA started in 2012. As far as I was concerned I owed no more on it but according to the finance company there was an outstanding balance which was included in my IVA and shows on the final Chairmans Report. Now it shows on Noddle...
by SteveUK
Sat Nov 24, 2018 12:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Aperture IVA
Replies: 6
Views: 8064

As frustrating as it is, you are covered from all your creditors. They can huff and puff, but you needn't worry about their lack of internal communications. Debts are sold on all the time by large creditors, it gets them off their books and relies on 'someone' else to administer the debt. Again don...
by SteveUK
Tue Oct 16, 2018 7:34 am
Forum: Ask IVA Forum and Industry experts
Topic: Wrong default date
Replies: 5
Views: 6651

Rather than start a new thread I thought I would ask here. When a default date needs correcting who would we send the letter to, the original creditor or the company the debt has been sold to? EG On Experian and Equifax Barclaycard show as a creditor with an incorrect default date. On Callcredit thi...
by SteveUK
Tue Oct 16, 2018 7:12 am
Forum: Ask IVA Forum and Industry experts
Topic: Bad advice
Replies: 8
Views: 6697

Curious to know.

Who told you that you shouldn't be in an IVA?

If it was the company that are offering a 'better solution' I would be a bit suspicious.
by SteveUK
Thu Oct 04, 2018 2:34 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA declined due to too much equity
Replies: 9
Views: 6532

hrobson wrote:
What to do if house is has too much equity according to IP so Iva declined
Re-mortgage?
Downsize?
by SteveUK
Tue Sep 25, 2018 4:27 am
Forum: Ask IVA Forum and Industry experts
Topic: Final notice
Replies: 3
Views: 5975

Was it definitely a fine i.e. issued by a council or a court or was it a private parking charge issued by a parking company. If the latter then it is a civil debt and paying it could put your IVA at risk and you should speak to your IP about getting it added to the IVA. Marstons are scum and will li...
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