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Search found 6238 matches Page 1 of 416
by Lisa Thomas
Fri Feb 16, 2018 3:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can a charge be put on your house when going bankrupt?
Replies: 9
Views: 576
Are you sure everything went from the IVA into the Bankruptcy as often assets in the IVA are held on trust for the IVA creditors?
by Lisa Thomas
Fri Feb 16, 2018 3:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can a charge be put on your house when going bankrupt?
Replies: 9
Views: 576
If the O.R put the restriction on and subsequently said they had no further interest in the property you need to approach the O.R and ask them to arrange to have the restriction removed.
by Lisa Thomas
Fri Feb 16, 2018 11:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Equity Release and Shared Ownership
Replies: 3
Views: 761
If you're already in an IVA have a look at the calculation used in your original proposal documents.
by Lisa Thomas
Fri Feb 16, 2018 11:42 am
Forum: Ask IVA Forum and Industry experts
Topic: How do i withdraw or transfer companies?
Replies: 3
Views: 693
You are stuck with your IP I'm afraid.

If you have an issue follow their complaints procedure and then follow up here if necessary:

https://www.gov.uk/complain-about-insol ... actitioner
by Lisa Thomas
Fri Feb 16, 2018 11:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Is £9000 fees in an IVA correct?
Replies: 6
Views: 634
You are entitled to ask for a breakdown- ask to see a copy of their 'SIP 9 analysis' and relevant resolutions passed by creditors approving the costs.
by Lisa Thomas
Fri Feb 16, 2018 11:39 am
Forum: Ask IVA Forum and Industry experts
Topic: Can an IVA be completed without PPI claims being finalised?
Replies: 9
Views: 903
If you don't get a good enough response on Monday send them a written complaint and explain you are considering complaining to the Gateway as you have taken advice and understand that resolving the PPI issue is not a sufficient reason for withholding the CC. Gateway is here if it gets that far: http...
by Lisa Thomas
Thu Feb 15, 2018 4:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can creditors call me while I am still in IVA?
Replies: 4
Views: 865
If these were pre IVA creditors then this should have stopped 6 years ago when the IVA started!
by Lisa Thomas
Thu Feb 15, 2018 4:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can an IVA be completed without PPI claims being finalised?
Replies: 9
Views: 903
I agree with Foggy - remind them you understand that PPI is not a reason to delay issuing the CC so for them to simply provide you with any necessary assignment documents or you will be making a formal complaint.
by Lisa Thomas
Thu Feb 15, 2018 11:11 am
Forum: Ask IVA Forum and Industry experts
Topic: Getting IVA removed from credit file
Replies: 8
Views: 1142
You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
by Lisa Thomas
Thu Feb 15, 2018 11:07 am
Forum: Ask IVA Forum and Industry experts
Topic: Need some advice please on proposal modifcation
Replies: 6
Views: 941
The choice is yours - if you don't accept the proposed modification they are going to vote against your IVA proposals and it seems as if they have enough voting power for the VA to then be rejected(?? If so you will be back to square one again, potentially facing Bankruptcy (and therefore the risk o...
by Lisa Thomas
Wed Feb 14, 2018 1:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I cancel IVA 6 months in?
Replies: 3
Views: 1151
Is you Mum still with us - are the funds coming from a windfall or as a gift to help you towards a Full and final offer?
by Lisa Thomas
Wed Feb 14, 2018 1:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: How to calculate equity release for an IVA
Replies: 16
Views: 1151
There is no such thing as a joint IVA, they will be interlocking.

As Foggy states you need to prove your equity is each under £5k for the clause not to apply.
by Lisa Thomas
Wed Feb 14, 2018 1:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Offer declined...
Replies: 12
Views: 1408
The damage to your credit rating for 6 years will be the same in Bankruptcy and IVA. It seems BKY is the best route for you and will not only shave off a couple of years worth of contributions but also save the third party their lump sum. There is a possibility their lump sum funds could be used to...
Search found 6238 matches Page 1 of 416