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by Lisa Thomas
Wed Jun 24, 2020 8:54 am
Forum: Ask IVA Forum and Industry experts
Topic: Updating credit file
Replies: 10
Views: 2796

This will be academic until October 2024 due to the 6 years of damage I'm afraid, I wouldn't waste any time on it.
by Lisa Thomas
Fri Jun 19, 2020 10:09 am
Forum: Ask IVA Forum and Industry experts
Topic: What should I be doing with extra money?
Replies: 4
Views: 2582

Assuming the furlough money related to your wage then you should use this income to pay your presumed normal IVA contributions.

The redundancy money will also have to be paid over, likely in full as you have found new employment.
by Lisa Thomas
Tue Jun 16, 2020 1:05 pm
Forum: full and final settlements
Topic: F&F what are the odds !?!
Replies: 3
Views: 9850

I would wait to see what happens with your employment/potential redundancy/reduction in income.

if your income is reduced and contributions reduced accordingly then the offer will be much more attractive.
by Lisa Thomas
Mon Jun 15, 2020 1:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: Settlement offer on a breach
Replies: 2
Views: 2580

If it's equal to what you have left to pay then it sounds like an attractive offer.

Best of luck.
by Lisa Thomas
Mon Jun 15, 2020 1:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Entering 55th month. Help/info req'd
Replies: 4
Views: 2913

The onus is on you to contact your IP with the equity details, if applicable, usually at month 54.

Do not wait for your IP to contact you.
by Lisa Thomas
Mon Jun 15, 2020 1:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: I have debts around £43k
Replies: 2
Views: 2838

As Foggy states your disposable income is usually calculated pro rata between you both , if not it is assumed to be 50:50.

Don't forget to explore whether Bankruptcy is a better option for you.
by Lisa Thomas
Wed May 27, 2020 8:49 am
Forum: Ask IVA Forum and Industry experts
Topic: I’ve been advised to get an iva.
Replies: 3
Views: 3028

Are your total debts c£1,800? If so an IVA will not be suitable for you.
by Lisa Thomas
Wed May 27, 2020 8:47 am
Forum: Ask IVA Forum and Industry experts
Topic: I am a creditor ...
Replies: 15
Views: 4170

You're welcome. Best of luck.
by Lisa Thomas
Wed May 20, 2020 11:18 am
Forum: Ask IVA Forum and Industry experts
Topic: I am a creditor ...
Replies: 15
Views: 4170

It is a bit ambiguous as they have called it goodwill in one sentence and final settlement in the next. I recommend you ask them to clarify what they mean by final settlement. I suspect they meant it as regards taking your complaint any further. They have advised you that, as suspected, no dividend ...
by Lisa Thomas
Tue May 19, 2020 9:16 am
Forum: Ask IVA Forum and Industry experts
Topic: Expert posters and solicitation
Replies: 8
Views: 10717

Noted Foggy - hopefully I have not breached!

How often is the list of experts updated?

Thank you
by Lisa Thomas
Tue May 19, 2020 9:13 am
Forum: Ask IVA Forum and Industry experts
Topic: Restriction on property not lifted
Replies: 4
Views: 3071

The IP might still be in practice at another firm and may be able to help.

Try here to find them:

https://www.insolvencydirect.bis.gov.uk/fip1/
by Lisa Thomas
Mon May 18, 2020 1:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Letter from Barclays
Replies: 5
Views: 3123

You need to speak to your IP about this.
by Lisa Thomas
Mon May 18, 2020 1:44 pm
Forum: equity release
Topic: Advice re missed payment (Covid 19)
Replies: 3
Views: 8305

I agree with foggy's advice.

Keep all correspondence in writing.

If you are still unsatisfied escalate the complaint here:

https://www.gov.uk/complain-about-insol ... actitioner
by Lisa Thomas
Mon May 18, 2020 1:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am a creditor ...
Replies: 15
Views: 4170

My comments are as follows: 1. You could challenge the validity of the IVA and as a result it could potentially be voided. You may need the help of a specialist solicitor for this. I can recommend one but you will have to pay their costs so you need to weigh up whether this will be beneficial to you...
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