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Search found 6615 matches Page 1 of 441
by Lisa Thomas
Fri May 18, 2018 1:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: What are my chances of success
Replies: 7
Views: 969
Has the Nominees report been produced yet? The Nominee would not recommend the IVA proposals be presented to creditors for consideration if they did not think it had a reasonable prospect of success.
by Lisa Thomas
Fri May 18, 2018 1:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will my creditors make me bankrupt
Replies: 13
Views: 1257
Slightly hard decision as this will mean another variation however if you get it confirmed that the payments will be reduced to £120 then you can make a lower F&F. (bear in mind most IPs firms charge £500 per variation so the creditors might consider that the costs will rise by £1,000 due to two...
by Lisa Thomas
Fri May 18, 2018 10:15 am
Forum: Ask IVA Forum and Industry experts
Topic: Will my creditors make me bankrupt
Replies: 13
Views: 1257
As regards your discussion with he Aperture employee - to be fair it's not up to him to make the decision so it's difficult for him to give any opinion to you. Re F&Fs every case is unique - ultimately it will be up to creditors to decide - the more attractive the offer the more likely it is to ...
by Lisa Thomas
Fri May 18, 2018 10:13 am
Forum: Ask IVA Forum and Industry experts
Topic: worried
Replies: 7
Views: 1000
Feel free to contact me if you want a second opinion.
by Lisa Thomas
Fri May 18, 2018 10:12 am
Forum: Ask IVA Forum and Industry experts
Topic: What options are there instead of equity release
Replies: 10
Views: 1289
Given the age of your IVAs I doubt the secured loan would have formed part of the terms and if so doesn't need to be considered. You really do need to look at both IVA proposals and any mods.
by Lisa Thomas
Thu May 17, 2018 3:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is there another way to reduce or eliminate further 12 months of payment in iva
Replies: 25
Views: 2060
If creditors reject a F&F there is always the ability to increase, alternatively you just carry on as you were.
by Lisa Thomas
Thu May 17, 2018 3:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: What options are there instead of equity release
Replies: 10
Views: 1289
Are you sure it hasn't already been extended and you are already in the final year?

Please check your terms to see if it was definitely 6 years plus the year extension or 5 plus a year.
by Lisa Thomas
Thu May 17, 2018 11:14 am
Forum: Ask IVA Forum and Industry experts
Topic: What options are there instead of equity release
Replies: 10
Views: 1289
NB you will have interlocking IVAs, not a joint one.

The equity clause usually kicks in after year 5, not 6 on most standard IVAs - was yours always meant to be 6 + 1 instead?
by Lisa Thomas
Thu May 17, 2018 11:13 am
Forum: Ask IVA Forum and Industry experts
Topic: Paid Four-Weekly, how does this work?
Replies: 14
Views: 1521
You need to look at your proposals to see what it is you have proposed...
by Lisa Thomas
Wed May 16, 2018 3:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paid Four-Weekly, how does this work?
Replies: 14
Views: 1521
It should already be detailed in your proposal - you would have had to complete and include an I&E form and they would have had to calculate your contributions and disclose how often you were proposing to pay them...
by Lisa Thomas
Wed May 16, 2018 3:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is there another way to reduce or eliminate further 12 months of payment in iva
Replies: 25
Views: 2060
Credit Fix can only tel you what your remaining contributions are or give you that figure as a starting point. It is up to YOU to decide how much you wish to offer creditors and up to the CREDITORS to vote on it. Creditfix simply Supervise... Seems to me you get a third party lump sum gift for maybe...
by Lisa Thomas
Wed May 16, 2018 12:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paid Four-Weekly, how does this work?
Replies: 14
Views: 1521
You need to speak to the IP urgently.
by Lisa Thomas
Wed May 16, 2018 12:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Getting no where with Aperture
Replies: 4
Views: 1589
If you have already complainted to Aperture and it hasn't been dealt with satisfactorily you can escalate the complain here:

https://www.gov.uk/complain-about-insol ... actitioner
by Lisa Thomas
Wed May 16, 2018 12:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: can someone please provide a template IVA contract?
Replies: 4
Views: 1539
NB Every IVA is unique depending on the debtors circumstances so whether it is contributions based, assets sales or lump sum will depend on you and what you wish to propose, which you would normally be guided on by your Nominee. You won't see this in the T&Cs. R3 terms are more flexible and the ...
by Lisa Thomas
Wed May 16, 2018 12:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: can someone please provide a template IVA contract?
Replies: 4
Views: 1539
I can e-mail you the R3 terms if you email me.
Search found 6615 matches Page 1 of 441