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Search found 6723 matches Page 1 of 449
by Lisa Thomas
Mon Jul 09, 2018 1:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: PPI claims while in an IVA
Replies: 3
Views: 3323
The PPI money should have been handed over. Have you spent it? You need to come clean and be prepared that you have likely breached your terms and could be at risk of he IVA failing so may need to extend your IVA period to find time to repay the PPI monies if you haven't kept them.
by Lisa Thomas
Mon Jul 09, 2018 1:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: How much do I have to pay back now I have won £20,000?
Replies: 8
Views: 3636
A lot of IP's charge £500 for calling a variation meeting so bear in mind any 'offer' you put forward will likely increase costs further.
by Lisa Thomas
Mon Jul 09, 2018 1:38 pm
Forum: Ask IVA Forum and Industry experts
Topic: How much do I have to pay back now I have won £20,000?
Replies: 8
Views: 3636
As regards costs you need to consider:

How much were any Nominee fees?

How much are the Supervisors costs to date?

How much are their costs to closure?
by Lisa Thomas
Mon Jul 09, 2018 11:27 am
Forum: Ask IVA Forum and Industry experts
Topic: How much do I have to pay back now I have won £20,000?
Replies: 8
Views: 3636
You shouldn't 'offer' anything as you have to pay all of the funds over unless and until the total debts, interest and costs have been paid in full so there is not normally any negotiation. You could however propose a variation to ask them to waive their statutory rights to the interest (or perhaps ...
by Lisa Thomas
Mon Jul 09, 2018 9:03 am
Forum: Ask IVA Forum and Industry experts
Topic: Variation fee reducing the dividend by too much
Replies: 5
Views: 3499
Keep saving the £111 in the meantime.
by Lisa Thomas
Mon Jul 09, 2018 9:02 am
Forum: Ask IVA Forum and Industry experts
Topic: How much do I have to pay back now I have won £20,000?
Replies: 8
Views: 3636
I agree c£18k less the £3k paid on account but will depend on what costs have been approved/incurred by your IP firm.

You could ask creditor to waive their right to statutory interest, which if approved would give you back a bit more.
by Lisa Thomas
Mon Jul 09, 2018 8:59 am
Forum: Complaints procedure
Topic: Credit file clean up
Replies: 4
Views: 3710
It takes up to 3 months to come off the register so you may be on there until end July.
by Lisa Thomas
Fri Jul 06, 2018 8:09 am
Forum: Ask IVA Forum and Industry experts
Topic: Final year of IVA options
Replies: 2
Views: 4279
Hi Sally What is your question?
by Lisa Thomas
Thu Jul 05, 2018 9:36 am
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage miss-sell, insurance and completion certificate
Replies: 7
Views: 4710
Hi Foggy Thank you for your quick reply. Just a quick question: the £3800 interest per annum you have quoted, would they take it just for 1 year or for each year we have been in IVA (x 7 years)? For every year I'm afraid - assuming interest applies to your IVA. You could ask creditors to waive thei...
by Lisa Thomas
Wed Jul 04, 2018 2:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Temporary Acting Up Salary
Replies: 4
Views: 4770
You need to notify them so they can increase your contributions temporarily.
by Lisa Thomas
Wed Jul 04, 2018 9:32 am
Forum: Ask IVA Forum and Industry experts
Topic: Husband applying for IVA whilst I am already I one
Replies: 2
Views: 4866
You may need to complete a new I&E if/when your husband enters an IVA (or an IPA in BKY) to check you can still afford your payments.
by Lisa Thomas
Wed Jul 04, 2018 9:31 am
Forum: Ask IVA Forum and Industry experts
Topic: How can we get a copy of our completion certificate?
Replies: 2
Views: 4988
Follow their complaints procedure:

http://www.hanoverinsolvency.co.uk/complaints.html

Then escalate here is necessary (and tell them this is what you will do if not resolved satisfactorily:

https://www.gov.uk/complain-about-insol ... actitioner
by Lisa Thomas
Tue Jul 03, 2018 11:15 am
Forum: Ask IVA Forum and Industry experts
Topic: Last payment made
Replies: 5
Views: 5424
by Lisa Thomas
Mon Jul 02, 2018 10:58 am
Forum: Ask IVA Forum and Industry experts
Topic: Updating an asset
Replies: 3
Views: 5121
If you have sold your car the proceeds were probably due to be paid into the IVA pot, unless you got permission from your IP to use the proceeds, together with the gift from your Dad to buy you a newer model.
by Lisa Thomas
Mon Jul 02, 2018 10:57 am
Forum: Ask IVA Forum and Industry experts
Topic: Why am I being asked to remortgage?
Replies: 3
Views: 5128
My video should explain this for you:

https://youtu.be/PHfc85n39U4
Search found 6723 matches Page 1 of 449