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by Lisa Thomas
Thu May 24, 2018 9:01 am
Forum: Ask IVA Forum and Industry experts
Topic: Are we at the end of our IVA?
Replies: 5
Views: 128
If not in the proposal it will be in the supporting T&Cs.
by Lisa Thomas
Thu May 24, 2018 9:00 am
Forum: Ask IVA Forum and Industry experts
Topic: Increased IVA payments
Replies: 2
Views: 114
Do you agree with their calculations?

Either:

a) There has been a mistake with the comps.
b) There has been a mistake with the financial info you have given them (usually on an I&E)
c) you are overspending on non essential items.
by Lisa Thomas
Thu May 24, 2018 8:59 am
Forum: Ask IVA Forum and Industry experts
Topic: What do I do about earning more while in an IVA
Replies: 3
Views: 335
cooperate and send them the payslip. Don't spend the money in case you have to pay some/all of it over.
by Lisa Thomas
Wed May 23, 2018 3:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Being forced to remortgage
Replies: 4
Views: 378
I expect the 12 month extension will likely apply and kick in.

Have a look here for my quick video about the standard terms/options that usually apply and check your proposals and modifications:

https://youtu.be/PHfc85n39U4
by Lisa Thomas
Wed May 23, 2018 2:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit Union voting against my IVA
Replies: 11
Views: 665
You may need ALL other creditors to vote, and vote in favour, in order to get the IVA through as you will need 75% in value voting to approve.
by Lisa Thomas
Wed May 23, 2018 11:58 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit Union voting against my IVA
Replies: 11
Views: 665
It is very unusual - normally creditors will liaise direct withe the Nominee.
by Lisa Thomas
Wed May 23, 2018 10:14 am
Forum: Ask IVA Forum and Industry experts
Topic: £100k IVA APPROVED!!!!!
Replies: 10
Views: 475
Thanks for sharing your good news - best of luck with the IVAs.
by Lisa Thomas
Wed May 23, 2018 8:15 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit Union voting against my IVA
Replies: 11
Views: 665
Have they explained why?

How much % of total debt do they have?

What does your Nominee say about it - can they convince them to change their minds?
by Lisa Thomas
Wed May 23, 2018 8:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Is IVA my best option
Replies: 4
Views: 653
It depends on your circumstances when compared to other options like a Debt Management Plan, A Debt Relief Order or Bankruptcy. We would need to know things like: [list=]What are assets do you own and how much are they worth? What are you debts? What is your surplus monthly income (ignoring payments...
by Lisa Thomas
Tue May 22, 2018 2:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: How can I find out details of a previous IVA I had
Replies: 3
Views: 683
Can you remember the name of your IP firm or the IP?
by Lisa Thomas
Tue May 22, 2018 10:40 am
Forum: Ask IVA Forum and Industry experts
Topic: |If wages drop due to sickness will I still have to pay the same monthly amount
Replies: 3
Views: 726
I agree with the others - you always owe the total debts, interest and costs but anything remaining at the end of a successful IVA is written off. £5.5k is a very small debt to have put forward an IVA on but that's in the past now and you can't change it. As Foggy says you can either have a payment ...
by Lisa Thomas
Tue May 22, 2018 8:20 am
Forum: Ask IVA Forum and Industry experts
Topic: Paid back more than owed in IVA
Replies: 4
Views: 1020
...and when did it start?
by Lisa Thomas
Tue May 22, 2018 8:19 am
Forum: Ask IVA Forum and Industry experts
Topic: Paid back more than owed in IVA
Replies: 4
Views: 1020
How much was the original debt and how much has been paid into your IVA?
by Lisa Thomas
Mon May 21, 2018 1:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will my creditors make me bankrupt
Replies: 19
Views: 2298
Once you have given them what they need they have 21 days to write to creditors with the variation giving at least 14 days notice of the meeting to vote on it.
by Lisa Thomas
Mon May 21, 2018 8:36 am
Forum: Ask IVA Forum and Industry experts
Topic: Using a credit card whilst in an iva
Replies: 4
Views: 1637
I suspect you will find the card has been stopped/frozen when you go to use it.

You could try a small payment to test the water.
Search found 6634 matches Page 1 of 443