Search found 6531 matches

Search found 6531 matches Page 1 of 436
by Lisa Thomas
Tue Apr 24, 2018 3:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Help Needed
Replies: 10
Views: 129
Great, so in essence an IVA company who advertised that I will be debt free in 5 years, now chooses to persue PPI claims in old IVAs, where prior to the Green/Wright case nobody knew where this money should go. Not necessarily 'chooses' - they have a duty to realise the asset for the benefit of you...
by Lisa Thomas
Tue Apr 24, 2018 2:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Help Needed
Replies: 10
Views: 129
Be prepared to be asked to repay the money to the IP.
by Lisa Thomas
Tue Apr 24, 2018 2:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is this allowed in a Trust Deed
Replies: 3
Views: 149
I know little about Trust Deeds as I believe they only relate to Scotland however my limited understanding is that the CSA payments will survive the TD so the debtor must continue to pay. Have you passed your information over to the IP to investigate - I presume they should accept information about ...
by Lisa Thomas
Tue Apr 24, 2018 2:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help with IVA completion certificate
Replies: 11
Views: 479
According to their website: "Aperture Debt Solutions LLP is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 758482) Elaine Masters, Sabrina McGurk & Jacqueline Westerman are licensed to act as Insolvency Practitioners in the UK by the Insolvency Practition...
by Lisa Thomas
Tue Apr 24, 2018 8:17 am
Forum: thinking of making your first post ?
Topic: Stressed, embarassed and a failure
Replies: 9
Views: 468
thanks Lisa for the reply, i think "they" mentioned bankrupsy wouldnt be the best as assests can be taken, such as household items, tv, camera etc That's not strictly correct - only assets with a high value would be of interest. Yes, if the camera is worth say £1,000 you might have to han...
by Lisa Thomas
Tue Apr 24, 2018 8:12 am
Forum: Ask IVA Forum and Industry experts
Topic: Catalogue on an IVA
Replies: 5
Views: 491
I suspect they have asked the wrong question - remind them there might be PPI on the Catalogue and leave them to look at it, unless your terms state that you must make such claims.
by Lisa Thomas
Mon Apr 23, 2018 1:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Catalogue on an IVA
Replies: 5
Views: 491
Why are you asking about PPI - does your IVA state that you will submit claims or is your IP supposed to?
by Lisa Thomas
Mon Apr 23, 2018 1:45 pm
Forum: thinking of making your first post ?
Topic: Stressed, embarassed and a failure
Replies: 9
Views: 468
I think in your circumstances you should take a strong look at Bankruptcy, rather than an IVA. This is on basis you have no assets (like a property) to lose. Any income contributions (if applicable) will last for 3 years in BKY - many IP firms use standard IVA terms which will mean at least 5 year c...
by Lisa Thomas
Mon Apr 23, 2018 1:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: F@F Questions.
Replies: 7
Views: 1050
Best of luck

Here is my short video on F&F's for you or anyone else interested:

https://youtu.be/h4dozq9aGak
by Lisa Thomas
Mon Apr 23, 2018 12:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: F@F Questions.
Replies: 7
Views: 1050
Just bear in mind that if you die before the IVA ends your share of equity in the property and other assets will likely vest in trust for the IVA costs, interest and creditors so there may not be enough to cover repayment to her.
by Lisa Thomas
Mon Apr 23, 2018 8:47 am
Forum: Ask IVA Forum and Industry experts
Topic: F@F Questions.
Replies: 7
Views: 1050
* now
by Lisa Thomas
Mon Apr 23, 2018 8:47 am
Forum: Ask IVA Forum and Industry experts
Topic: F@F Questions.
Replies: 7
Views: 1050
Are you sure you have sufficient equity for the years extension to apply? Bottom this out first before putting forward any offer as you may be offering too much. Your partner needs to be certain about this as it will be legally classed as a gift so they cannot formally pursue you for repayment. If t...
by Lisa Thomas
Mon Apr 23, 2018 8:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Not signed final proposal but still added to register & told IVA breached by us
Replies: 6
Views: 888
It sounds to me given the letter about the 'breach' that the IP has treated the IVA as being in place, and now being in breach and failing, hence why the details will have gone to the Insolvency register. I think he needs t argue he did not agree to the modifications and therefore the IVA was not in...
Search found 6531 matches Page 1 of 436