Search found 6524 matches

Search found 6524 matches Page 1 of 435
by Lisa Thomas
Mon Apr 23, 2018 1:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Catalogue on an IVA
Replies: 4
Views: 204
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: 7
Views: 184
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: 791
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: 791
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: 791
* 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: 791
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: 623
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...
by Lisa Thomas
Mon Apr 23, 2018 8:35 am
Forum: Ask IVA Forum and Industry experts
Topic: Amended proposals
Replies: 2
Views: 519
E-mail your Nominee with the queries and list of errors and ask again for them to be corrected.

Ensure you are happy with all corrections before you sign anything off.
by Lisa Thomas
Mon Apr 23, 2018 8:33 am
Forum: Ask IVA Forum and Industry experts
Topic: Advice needed pls
Replies: 2
Views: 242
S/he needs to ensure your total liabilities are correct and not understated.

S/he will also look at any repayments to connected parties and whether any illegal preferences have occurred (payments back to one creditor at a time the other creditors were not repaid), which could be overturned.
by Lisa Thomas
Mon Apr 23, 2018 8:29 am
Forum: Ask IVA Forum and Industry experts
Topic: Can we get a mortgage after the IVA?
Replies: 2
Views: 264
When did they start?

Usually need the 6 year mark to pass before your credit file is repaired.
by Lisa Thomas
Fri Apr 20, 2018 10:50 am
Forum: Ask IVA Forum and Industry experts
Topic: Replacement copy of IVA completion certificate
Replies: 3
Views: 1114
IPs only have to keep their records from 6 years after closure so I suspect the records were gone anyway. Your only option might be the insolvency service. What do you want it for?
by Lisa Thomas
Fri Apr 20, 2018 10:46 am
Forum: Ask IVA Forum and Industry experts
Topic: I have no idea how much I need to be asking to remortgage for
Replies: 30
Views: 1746
Hi if you have standard terms then no - you are mixing it up.

If you have less than £5k equity the equity clause does NOT kick in so the extension will not apply and the case can be closed.
Search found 6524 matches Page 1 of 435