Search found 7386 matches

Search found 7386 matches Page 1 of 493
by Lisa Thomas
Fri Jun 14, 2019 8:04 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F SETTLEMENT ADVICE
Replies: 17
Views: 434

Who told you creditors won't accept this offer?
by Lisa Thomas
Thu Jun 13, 2019 8:47 am
Forum: Ask IVA Forum and Industry experts
Topic: Full and final payment
Replies: 5
Views: 339

I doubt it once costs and any statutory interest is added. (8% per annum)

Assuming statutory interest is included you might like to ask creditors to vary the VA and waive their rights to interest to keep the figures down.
by Lisa Thomas
Wed Jun 12, 2019 3:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Final payment made!!
Replies: 5
Views: 606

Keep the pressure on your IP for you completion cert. some firms take up to 6 months to issue them...!
by Lisa Thomas
Fri Jun 07, 2019 10:25 am
Forum: Ask IVA Forum and Industry experts
Topic: Extra income
Replies: 9
Views: 678

Thanks Foggy, sorry I had misread the post.
by Lisa Thomas
Fri Jun 07, 2019 8:27 am
Forum: Ask IVA Forum and Industry experts
Topic: Extra income
Replies: 9
Views: 678

I think they may be saying that the extra pensions are too high and will not be accepted as part of your expenditure.

You either need to reduce some of your other costs to be able to afford the pension increase or may even need to consider opting out until your IVA has finished.
by Lisa Thomas
Fri Jun 07, 2019 8:26 am
Forum: Ask IVA Forum and Industry experts
Topic: A loan to pay off fees?
Replies: 4
Views: 1278

Perhaps the loan you are referring to is the secured loan option in relation to release the equity in your property at month 54?
by Lisa Thomas
Fri Jun 07, 2019 8:25 am
Forum: Ask IVA Forum and Industry experts
Topic: A loan to pay off fees?
Replies: 4
Views: 1278

IWe cannot tell you what is going on as we do not know what has happened. Normally any debts and costs unpaid at the end of the term will be written off so it does not make sense that the IP's would be asking you for extra funds at the end unless there are extra assets available. It sounds to me lik...
by Lisa Thomas
Fri Jun 07, 2019 8:24 am
Forum: Ask IVA Forum and Industry experts
Topic: Eary settlement
Replies: 7
Views: 4157

It comes out of the assets in the IVA and therefore reduces the amount the creditors will receive.
by Lisa Thomas
Thu Jun 06, 2019 12:12 pm
Forum: credit
Topic: Defaults etc on credit report after completion
Replies: 2
Views: 662

You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
Noddle, Clearscore and Totally Money are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
https://www.totallymoney.com/
by Lisa Thomas
Thu Jun 06, 2019 8:23 am
Forum: Ask IVA Forum and Industry experts
Topic: Could I pay off 6th year with a lump sum?
Replies: 2
Views: 1475

Yes you can put forward a variation offer as explained in my short video here:

https://youtu.be/h4dozq9aGak
by Lisa Thomas
Wed Jun 05, 2019 8:39 am
Forum: Ask IVA Forum and Industry experts
Topic: Inheritance
Replies: 2
Views: 1295

All of it will have to be paid over until the total debts, interest and cost have been paid in full I'm afraid.
by Lisa Thomas
Wed Jun 05, 2019 8:38 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I get a budget loan from DWP whilst in an IVA?
Replies: 4
Views: 1687

The important question is why do you need it? Your contributions in your IVA should be fixed at an affordable level.

If you need a loan then something has either gone wrong with the calculations, the I&E has changed without being declared for a review or you are overspending on non essential items.
by Lisa Thomas
Tue Jun 04, 2019 9:05 am
Forum: Ask IVA Forum and Industry experts
Topic: Will a lump sum offer work?
Replies: 8
Views: 2233

Once they have all the information they should call a meeting within 21 days, giving 14 days notice.

So in theory you should have an answer within about 6 weeks but many firms do not stick to the rules...
Search found 7386 matches Page 1 of 493
Go to advanced search