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by Lisa Thomas
Thu May 23, 2019 1:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Husband trying to settle debts
Replies: 5
Views: 101

It's impossible to advise without knowing the full picture. It really depends on how much he would repay in an IVA (without the £10k) loan.
by Lisa Thomas
Thu May 23, 2019 9:14 am
Forum: Ask IVA Forum and Industry experts
Topic: I can afford repayments now - how do I get out of IVA?
Replies: 2
Views: 147

Remember all the payments you have made to date will likely be lost in costs. You will be back to square one again and could be at risk of Bankruptcy/recovery proceedings from creditors. They do not have to accept repayments from you. With the IVA, if you maintain your repayments they are all locked...
by Lisa Thomas
Thu May 23, 2019 9:13 am
Forum: Ask IVA Forum and Industry experts
Topic: Could an IVA work for me?
Replies: 3
Views: 140

I'd be happy to chat about your position and give you a second opinion if you feel that could help.
by Lisa Thomas
Wed May 22, 2019 1:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Removing a restriction
Replies: 4
Views: 157

Look at the history on this page:

https://moneyplus.com/about-us/
by Lisa Thomas
Wed May 22, 2019 11:57 am
Forum: Ask IVA Forum and Industry experts
Topic: Removing a restriction
Replies: 4
Views: 157

Hi Steve

Assuming your IVA completed successfully then your IP should have removed their restriction when the case was closed. You need to speak to your ex Supervisor to get them to remove it.
by Lisa Thomas
Mon May 20, 2019 11:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors statement
Replies: 4
Views: 322

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: 352

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: 8
Views: 385

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: 455

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: 559

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: 527

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: 16
Views: 767

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: 650

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: 890

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
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