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by Lisa Thomas
Mon May 20, 2019 11:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors statement
Replies: 4
Views: 158

They will send you an annual progress report within 2 months of the anniversary which will include a Receipts & Payments schedule.

Often the initial payments are taken in costs.
by Lisa Thomas
Mon May 20, 2019 11:42 am
Forum: Ask IVA Forum and Industry experts
Topic: Am I locked into my Iva?
Replies: 3
Views: 187

It really depends on your financial position - we cannot give advice without knowing more information but I'd be happy to chat to you and explore your options.

or try my video here as a starting guide with more detailed videos available from the You Tube Channel:

https://youtu.be/TgalT1vhn6M
by Lisa Thomas
Mon May 20, 2019 11:39 am
Forum: Ask IVA Forum and Industry experts
Topic: creditfix or shop around?
Replies: 7
Views: 201

It's always worth getting a second opinion.

You need to be able to work with your IP for up to 6 years.
by Lisa Thomas
Mon May 20, 2019 11:38 am
Forum: Ask IVA Forum and Industry experts
Topic: credit score
Replies: 11
Views: 296

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 May 16, 2019 12:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Where do I stand if a friend I lent money to is now in an IVA?
Replies: 2
Views: 400

I'm afriad you need to chalk it up to a bad experience and write the debt off.
by Lisa Thomas
Thu May 16, 2019 8:21 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit file
Replies: 3
Views: 379

Congratulations on finishing your IVA. 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://...
by Lisa Thomas
Wed May 15, 2019 11:34 am
Forum: Ask IVA Forum and Industry experts
Topic: In serious debt but scared of an IVA
Replies: 13
Views: 560

I haven't read all the replies so apologies if I am repeating something but all of your questions should easily be answered by Hanover. Please note there is no such thing as a joint IVA, only interlocking ones. You should pay over what you can afford and creditors will decide whether they want to vo...
by Lisa Thomas
Tue May 14, 2019 2:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: How long can a property be held in trust after IVA termination?
Replies: 4
Views: 491

The property therefore either still forms part of the IVA trust or is caught in the Bankruptcy estate.
by Lisa Thomas
Tue May 14, 2019 1:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: Freeman Jones reneging on amount owed
Replies: 8
Views: 744

Suggest you include the copy email in a formal complaint and can then escalate it here if necessary:

https://www.gov.uk/complain-about-insol ... actitioner
by Lisa Thomas
Tue May 14, 2019 10:45 am
Forum: Ask IVA Forum and Industry experts
Topic: Freeman Jones reneging on amount owed
Replies: 8
Views: 744

Send them a copy of their letter where they confirmed the credit had been netted off.
by Lisa Thomas
Tue May 14, 2019 10:44 am
Forum: Ask IVA Forum and Industry experts
Topic: No contact from IP and IVA has been going for over 5 years - what do I do?
Replies: 2
Views: 502

If you have standard terms then it's up to you to deal with the valuation at month 54. Did you do this?
by Lisa Thomas
Tue May 14, 2019 10:43 am
Forum: Ask IVA Forum and Industry experts
Topic: How much should I offer as a full & final IVA settlement?
Replies: 2
Views: 455

What is your level of equitable interest in your property?
by Lisa Thomas
Tue May 14, 2019 10:42 am
Forum: Ask IVA Forum and Industry experts
Topic: How long does a full & final IVA offer take to be considered?
Replies: 2
Views: 468

Look at your proposal T&C's - highly likely that they only have 21 days to call the variation meeting so you are probably right to make a complaint.
by Lisa Thomas
Mon May 13, 2019 3:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: How long can a property be held in trust after IVA termination?
Replies: 4
Views: 491

I suspect it's indefinite unless and until creditors are paid in full.
by Lisa Thomas
Mon May 13, 2019 9:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I take out a guarantor loan to clear my IVA?
Replies: 6
Views: 559

Best to put forward a F&F offer with your sisters money instead to settle the IVA early.

see my short video here for a little more detail:

https://youtu.be/h4dozq9aGak
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