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Search found 6863 matches Page 1 of 458
by Lisa Thomas
Mon Sep 17, 2018 3:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA whilst in IVA
Replies: 4
Views: 442
You can usuauly obtain credit for less than £500, sometimes with your IP's permission but I doubt it will be possible due to your credit rating being damaged due to the IVA.
by Lisa Thomas
Mon Sep 17, 2018 8:57 am
Forum: Ask IVA Forum and Industry experts
Topic: Tenancy checks post IVA
Replies: 2
Views: 502
Does your partner have good creditor? Perhaps the agreement could be in his name only.

Not all landlords do proper credit checks and those that do may not be bothered about an IVA.

Worst case scenario you may need a guarantor.
by Lisa Thomas
Mon Sep 17, 2018 8:55 am
Forum: Ask IVA Forum and Industry experts
Topic: No completion certificate
Replies: 4
Views: 684
Perhaps they still haven't closed it...

Put your complaint in writing to them to find out what is going on and escalate here if necessary:

https://www.gov.uk/complain-about-insol ... actitioner
by Lisa Thomas
Mon Sep 17, 2018 8:54 am
Forum: Ask IVA Forum and Industry experts
Topic: Could an iva work for me?
Replies: 3
Views: 649
You can't pick and choose which creditors to include in an IVA - all of your unsecured debts will be included.

With that level of debt you really should take some advice to ensure an IVA is the right option for you.
by Lisa Thomas
Fri Sep 14, 2018 12:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F creditors meeting this time next week!!!
Replies: 7
Views: 1312
You will still have to wait for your CC which some firms take up to 6 months to issue.
by Lisa Thomas
Fri Sep 14, 2018 8:19 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA fraud??
Replies: 8
Views: 1757
It is a risk failing the IVA - you need to ensure all creditors will accept your payment terms before failing it otherwise you will be back to square one - with the full amount of debt, plus contractual interest, plus any shortfall due for the IVA costs. Creditors will be able to take recovery actio...
by Lisa Thomas
Fri Sep 14, 2018 8:17 am
Forum: Ask IVA Forum and Industry experts
Topic: Is my IVA allowed to take my PPI
Replies: 3
Views: 1593
Yes but depending on the figures highly unlikely your IP will resurrect a case that is 10 years old, unless it really is a material sum.
by Lisa Thomas
Thu Sep 13, 2018 8:29 am
Forum: Ask IVA Forum and Industry experts
Topic: Starting an iva but I am worried
Replies: 4
Views: 1696
Have you put your concerns to your IP?
by Lisa Thomas
Wed Sep 12, 2018 8:26 am
Forum: Ask IVA Forum and Industry experts
Topic: 3-6 months for F&F meeting?
Replies: 6
Views: 2243
They usuaully have 21 to put the offer to creditors (check the variation clause in your proposals to confirm) and then they have to give creditors 14 days notice of the meeting to vote on the variation. So, unless it the mtg is adjourned you should have the answer within about 5-6 weeks from sending...
by Lisa Thomas
Wed Sep 12, 2018 8:21 am
Forum: Ask IVA Forum and Industry experts
Topic: Equity release in an IVA
Replies: 3
Views: 2219
Watch this then check your terms https://youtu.be/PHfc85n39U4
by Lisa Thomas
Tue Sep 11, 2018 10:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Could an IVA be suitable for me?
Replies: 2
Views: 2299
Good advice from Foggy. DMP may take about 7.5 years to pay off based on £150 per month. Depending on which terms are applied in your IVA proposal a 'standard' (protocol term based) IVA might last 6 years but an IP using R3 terms can be more flexible so it could be less, depending on how the figures...
by Lisa Thomas
Tue Sep 11, 2018 10:41 am
Forum: Ask IVA Forum and Industry experts
Topic: No completion certificate
Replies: 4
Views: 2414
Follow their formal complaints procedure, sending a complaint via registered post, then escalate here if necessary:

https://www.gov.uk/complain-about-insol ... actitioner
by Lisa Thomas
Tue Sep 11, 2018 10:40 am
Forum: Ask IVA Forum and Industry experts
Topic: Joint IVA?
Replies: 3
Views: 2362
I'm not sure interlocking IVA's will be suitable for you given the length of time you have left to clear the debts in full via the existing DMPs.
by Lisa Thomas
Tue Sep 11, 2018 10:38 am
Forum: Ask IVA Forum and Industry experts
Topic: How much will an IVA cost?
Replies: 2
Views: 2412
It's based on affordability.

Every IVA is unique so hard to say whether it would be suitable for you without a lot more information.

Given the level of debts you may find a DRO is suitable, or failing that Bankruptcy.
by Lisa Thomas
Tue Sep 11, 2018 10:37 am
Forum: Ask IVA Forum and Industry experts
Topic: Could an IVA work for me?
Replies: 3
Views: 2442
There may be a few options open to you but it's difficult to say which one without a lot more information.

My video might help you narrow the options down a little as a starting point:

https://youtu.be/TgalT1vhn6M
Search found 6863 matches Page 1 of 458