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Search found 6956 matches Page 1 of 464
by Lisa Thomas
Mon Oct 22, 2018 9:28 am
Forum: Ask IVA Forum and Industry experts
Topic: £5000 for a wedding
Replies: 4
Views: 167
Give it back to your Mum.

Is there anyway you could consider using this money to offer a F&F to creditors to finish your IVA instead of towards a wedding?

Might be worth considering/exploring...
by Lisa Thomas
Mon Oct 22, 2018 9:27 am
Forum: Ask IVA Forum and Industry experts
Topic: PPI used to pay off old debt?
Replies: 2
Views: 146
Either way the PPI will not come to you (unless it is enough to pay off the remaining debt and costs and interest in full) so probably not worth worrying about.
by Lisa Thomas
Mon Oct 22, 2018 9:26 am
Forum: how are you coping?
Topic: Iva
Replies: 5
Views: 278
Hi - lots of debtors tell me it's a huge relief once we have met and I have gone through all the options with them. You will find out what option is best for you and, if it is an IVA, whether the IP thinks it is a viable solution. This should be the first step to sorting out your finances and hopefu...
by Lisa Thomas
Mon Oct 22, 2018 9:25 am
Forum: Ask IVA Forum and Industry experts
Topic: I have to stop my part time job, what can I do about my IVA?
Replies: 2
Views: 322
I agree with Foggy - you might be able to vary the IVA based on payments to date accepted in full and final settlement and finish the IVA early.
by Lisa Thomas
Mon Oct 22, 2018 9:22 am
Forum: Ask IVA Forum and Industry experts
Topic: Settling my IVA
Replies: 2
Views: 689
If the family members loaned you the money pre IVA then their debts should have been included in the IVA. Were they listed as creditors? If these monies have been loaned post IVA you may have breached the terms of your IVA re obtaining credit - unless the amounts are lower than the minimum (standard...
by Lisa Thomas
Mon Oct 22, 2018 8:57 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I get an iva having just bought a house?
Replies: 3
Views: 758
You need to speak to an IP firm to check whether an IVA is suitable for you and would be viable and attractive for creditors to vote in favour. More info is needed to be able advise via this forum.
by Lisa Thomas
Fri Oct 19, 2018 11:45 am
Forum: Ask IVA Forum and Industry experts
Topic: Equity calculations with Aperture
Replies: 14
Views: 1658
I agree with Foggy both you and creditors agreed to the formula used in your proposals. Challenge this with them.

Worst case scenario it may even be worth instructing solicitors to fight this to save you the extra year of payments. Hopefully that won't be necessary.
by Lisa Thomas
Fri Oct 19, 2018 9:13 am
Forum: Ask IVA Forum and Industry experts
Topic: Equity calculations with Aperture
Replies: 14
Views: 1658
Can you give us the calculations they have used please.
by Lisa Thomas
Fri Oct 19, 2018 8:06 am
Forum: Ask IVA Forum and Industry experts
Topic: Noddle Credit Score
Replies: 3
Views: 1244
You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM

Clearscore is are also a free credit agency to consider using:

https://www.clearscore.com/
by Lisa Thomas
Thu Oct 18, 2018 12:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: Shared ownership
Replies: 14
Views: 1730
Sorry Kallis I'm mixing up the posts on here I thought you were responding to one where the extension may not kick in!
by Lisa Thomas
Thu Oct 18, 2018 12:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: Shared ownership
Replies: 14
Views: 1730
Not if it doesn't apply because the equity is too low...?
by Lisa Thomas
Thu Oct 18, 2018 9:51 am
Forum: Ask IVA Forum and Industry experts
Topic: My creditfix review is coming up soon
Replies: 10
Views: 1499
He doesn't have to give them evidence of his income and expenditure but if your husband earns less than you and you can prove it then this may support a position of you paying more than 50% share of joint expenses and therefore have less money for contributions into your IVA. Without that they will ...
by Lisa Thomas
Thu Oct 18, 2018 9:47 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture delay
Replies: 4
Views: 1529
Make sure they correct that statement by either sending a corrected report to creditors again now or correcting it in next years report.
by Lisa Thomas
Thu Oct 18, 2018 9:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Shared ownership
Replies: 14
Views: 1730
You will be unlikely to remortgage with the IVA in place so the most likely scenario (if you don't go down the other route of 3rd party lump sum or secured loan) is a 12 months extension of your IVA.
Search found 6956 matches Page 1 of 464