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by Lisa Thomas
Tue Aug 21, 2018 2:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Inform creditors on IVA
Replies: 4
Views: 225
I would leave it to your IP, as long as there is no too much of a delay between you instructing them and the notifications being sent by them to your creditors.
by Lisa Thomas
Tue Aug 21, 2018 2:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Would IVA be likely to get accepted
Replies: 10
Views: 253
Are you both proposing interlocking IVAs?

Who is covering the expense of her car?
by Lisa Thomas
Tue Aug 21, 2018 2:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will an IVA affect my car?
Replies: 7
Views: 247
Three things to consider:

Is an IVA the best option for you?

If so then

a) The cost you pay for the car might be challenged by creditors as part of your I&E review
b) Even if the payments are considered reasonable the HP Company may still terminate the agreement and repossess the car
by Lisa Thomas
Tue Aug 21, 2018 2:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Would IVA be likely to get accepted
Replies: 10
Views: 253
I presume you have already called the IVA meeting of creditors to consider your proposals so what chances does your Nominee think you have?
by Lisa Thomas
Tue Aug 21, 2018 2:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: Would IVA be likely to get accepted
Replies: 10
Views: 253
Do you need 2 cars?
by Lisa Thomas
Tue Aug 21, 2018 2:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: Improving credit scored whilst in an IVA
Replies: 3
Views: 236
No wait until the IVA has ended, you are off the register and 6 years has passed since the start date...
by Lisa Thomas
Tue Aug 21, 2018 2:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: Ex is in an IVA that is affecting me
Replies: 8
Views: 261
Are you owed any money by her? It's very hard to read your post in capital letters so sorry if you have already explained this but is there equity in the property (or was there at the time of the transfer?) You could consider making her Bankrupt and the Trustee would have the power to overturn the t...
by Lisa Thomas
Mon Aug 20, 2018 3:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is 39.01p in the £ a good return for creditors?
Replies: 13
Views: 621
As many times as you like but the length of time between can only be 14 days maximum overall...
by Lisa Thomas
Mon Aug 20, 2018 1:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: DMP to IVA
Replies: 5
Views: 527
Out of interest what reason did chose to do a DP originally, rather than an IVA or Bankruptcy?
by Lisa Thomas
Mon Aug 20, 2018 1:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should I keep chasing my IP?
Replies: 7
Views: 583
If your F&F has been accepted by creditors and paid over there is no agreement left for them.

The IP just needs to issue the final report/dividends and your CC...
by Lisa Thomas
Mon Aug 20, 2018 1:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: New Windows
Replies: 6
Views: 805
Of course but this is potentially an opportunity to end the IVA early, take control of the OPs finances again and save up to pay for windows themselves, as they would no longer be having to pay the IVA contributions. As I said, it's worth exploring but depends on the circumstances and the OPs prefer...
by Lisa Thomas
Mon Aug 20, 2018 1:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is 39.01p in the £ a good return for creditors?
Replies: 13
Views: 621
If your meeting hasn't been held yet I can only presume sufficient creditors have already rejected your proposals, for you to state it has been rejected.

In which case why don't you ask your IP to tell you why creditors have voted against it?
by Lisa Thomas
Mon Aug 20, 2018 8:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Is 39.01p in the £ a good return for creditors?
Replies: 13
Views: 621
Yes it is an attractive dividend but the figures don't quite seem to stack up.

Where are the assets coming from to fund the dividend and there doesn't seem to be much allowance for any costs.

Your IP firm should be able to tell you why creditors rejected your IVA proposals.
by Lisa Thomas
Mon Aug 20, 2018 8:42 am
Forum: Complaints procedure
Topic: Creditfix
Replies: 3
Views: 790
Send them a written complaint with all the information you have explained here, together with the evidence. Their complaints procedure is here: https://www.creditfix.co.uk/app/uploads/2016/10/Client-Complaints-Procedure.pdf You can then escalate the complaint here if necessary: https://www.gov.uk/co...
Search found 6802 matches Page 1 of 454