Search found 953 matches

Search found 953 matches Page 1 of 64
by abbiesmum2003
Wed Nov 11, 2020 12:10 am
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage lenders who consider previous IVA
Replies: 5
Views: 2033

Completed IVA October 2018. Spent a year repairing credit history, using credit respinsibly etc. Can personally vouch for Select Partnership (Shauns team) who helped us with a budget, affordability etc..... Got a mortgage on the High Street with a low fixed rate....bought dream forever home and move...
by abbiesmum2003
Tue Nov 10, 2020 11:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: New to IVA and forum
Replies: 19
Views: 2622

Hi Kitty Welcome to the forum. Youve made a brave decision to face debts but it will be worth it. Been here a while now from the position you find yourself in to having completed a 5 year IVA, releasing equity and then living post-IVA. This forum is a godsend and source of advice, support, guidance ...
by abbiesmum2003
Thu Oct 29, 2020 8:36 am
Forum: Debt Management
Topic: IVA advisors told me to get debt management plan instead
Replies: 2
Views: 1794

I am by no means an expert but i will try to explain-then I imagine Foggy will come along and be most helpful 👍🏻 i have completed an IVA and have been here nearly 8 years so reading posts on here will really help you understand what an IVA is and what your responsibilities are etc. However, I’ll try...
by abbiesmum2003
Thu Oct 08, 2020 1:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: House sale issue
Replies: 6
Views: 3168

No problem Kallis
Hope it helps the poster to feel reassured that mum should be able to continue residing in the home.
It would be good if the IVA could be ended based on payments made to date....one less stress for them and allow to focus on care.
by abbiesmum2003
Thu Oct 08, 2020 8:54 am
Forum: Ask IVA Forum and Industry experts
Topic: House sale issue
Replies: 6
Views: 3168

https://www.ageuk.org.uk/information-ad ... -for-care/#

Have a look on here.
its a link to AgeUK regarding paying for a care home (if link doesnt work)
by abbiesmum2003
Thu Oct 08, 2020 8:49 am
Forum: Ask IVA Forum and Industry experts
Topic: House sale issue
Replies: 6
Views: 3168

From a healthcare professional view you should not need to sell the home to fund dad going into care. If the home is in joint names they cannot make your mum homeless to finance care for your dad. They need to have a full financial assessment by social services-if theres isnt enough in savings etc t...
by abbiesmum2003
Tue Oct 06, 2020 10:34 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will an IVA prevent car repossession?
Replies: 3
Views: 3125

It takes considerable time and patience to produce the figures for an IVA not to mention the setup of a new ‘noncreditor’ bank account. I would be wary of a. omoany suggesting a big financial commitment withe such small time scales especially as they know how desperate you are forma solution-its a 5...
by abbiesmum2003
Tue Sep 15, 2020 9:52 pm
Forum: full and final settlements
Topic: f&f accepted today!!
Replies: 4
Views: 6727

Yay!!! Congratulations! Thats great news! As for the questions- Best to wait until you have CC before applying for credit. We got a vanquis card with £500 limit at first used it carefully then few months of good use they increased limits etc. Then after a year or so of managing it well and credit li...
by abbiesmum2003
Sat Sep 12, 2020 7:00 pm
Forum: my car, can I keep it, repairs, etc
Topic: Ford Credit will NOT help you!
Replies: 3
Views: 4699

Glad you got it sorted eventually. Foggy i find it strange as well since people in an IVA are often better at managing finances, budgetting, having certain items provided within allowances....safer bet than people bumping money from credit card to credit card with debts building up. I think there is...
by abbiesmum2003
Sat Sep 05, 2020 7:18 am
Forum: Ask IVA Forum and Industry experts
Topic: Terrible mistake
Replies: 20
Views: 2849

Sorry I missed your update.
Thats great news glad its clarified.
Hope you can relax now. have a lovely weekend.
by abbiesmum2003
Thu Sep 03, 2020 12:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: First stage of IVA went easy, waiting for the proposal is killing me off.
Replies: 25
Views: 3467

Good afternoon. I was originally with a fabulous lady called Mel who was based in Wales I believe. She was marvellous. We went through everything in finest detail. I spent a long time on this forum before agreeing and had a solid understanding of an IVAand all the T&C’s. Very glad I did as unfortuna...
by abbiesmum2003
Thu Sep 03, 2020 8:47 am
Forum: Ask IVA Forum and Industry experts
Topic: First stage of IVA went easy, waiting for the proposal is killing me off.
Replies: 25
Views: 3467

It troubles me when I read IVA proposals have been drawn up over a few days. It took us weeks to look into ours. Get our budget right. Speak to a couple of companys and get different budgets etc. One company said we had over £1000 disposable income for the IVA but another was more realistic and we h...
by abbiesmum2003
Sun Aug 30, 2020 12:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Terrible mistake
Replies: 20
Views: 2849

As long as all that was discussed at the outset and your IVA was setup based on your pay schedule and outgoings you shouldnt have to pay anything else other than your preset monthly payment and any additional over time based on what Kallis said about the 10/50/50 split process. If you have ‘spare’ m...
by abbiesmum2003
Sun Aug 30, 2020 10:33 am
Forum: Ask IVA Forum and Industry experts
Topic: Terrible mistake
Replies: 20
Views: 2849

My husband is paid weekly and i got paid every calendar month. The IP worked out annual income then divided by 12 to get our ‘monthly’ contribution. If the IP knew your pay structure at the start amd your iva payment has been calculated accordingly then I dont think theres an issue? As foggy said if...
by abbiesmum2003
Tue Aug 11, 2020 1:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Life insurance question
Replies: 4
Views: 2085

We took out life insurance with critical care cover when we got our first house. Our monthly direct debit towards this was never questioned during our IVA (£51/month). It was an allowable expenditure throughout the whole term and was never questioned or challenged at any review. We were with Creditf...
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