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by lifenoteasy
Mon Sep 06, 2021 8:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Multiple PPI requests/demands
Replies: 2
Views: 2949

As Foggy says.

They are relying on our consent rather than the IP being able to push this based on their legal powers.
by lifenoteasy
Tue Aug 31, 2021 10:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Taken early retirement
Replies: 2
Views: 2958

It is likely that all of the lump sum will be payable into the IVA. They will then work out what remains owing.
by lifenoteasy
Mon Aug 23, 2021 8:19 am
Forum: Ask IVA Forum and Industry experts
Topic: My husbands IVA application
Replies: 9
Views: 3638

It used to be that Payplan took whole of household income to determine what needs to be paid.

As you are trying to distance from your other half's debts, be really careful on this.
by lifenoteasy
Sat Aug 21, 2021 10:20 am
Forum: Ask IVA Forum and Industry experts
Topic: Car finance options
Replies: 4
Views: 3263

As Foggy says you need the approval of the IP but https://www.moneybarn.com/how-it-works/ ... cess/ivas/.
by lifenoteasy
Wed Aug 18, 2021 1:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: New Day Credit Cards
Replies: 10
Views: 3743

The credit union will vote against it - at the end of the day the money they lent was taken from other savers.

You will need to be careful around how the impact of their voting could be.
by lifenoteasy
Sat Aug 14, 2021 8:35 am
Forum: Ask IVA Forum and Industry experts
Topic: Business insurance
Replies: 4
Views: 2441

Something I found from 7 years ago online suggests try these https://www.coversure.co.uk/.
by lifenoteasy
Thu Aug 12, 2021 7:51 am
Forum: Ask IVA Forum and Industry experts
Topic: Making an offer
Replies: 3
Views: 2467

A full and final is generally based on your monthly payment x the number of months left e.g. £100 x 36 =£3600.

Was it your creditors that rejected your first offer or the IP/member of staff you are dealing with as this does not seem quite right?
by lifenoteasy
Tue Aug 10, 2021 8:00 am
Forum: Ask IVA Forum and Industry experts
Topic: Advice on moving in with someone
Replies: 3
Views: 3195

It is possible but the general advice in the past is have a formal tenant agreement between the 2 of you.
by lifenoteasy
Thu Aug 05, 2021 9:50 am
Forum: Ask IVA Forum and Industry experts
Topic: Separating - will his IVA affect me?
Replies: 6
Views: 2940

An IVA will impact on your ability to rent a house.

Level of debt, what your ex will do are all factors about whether you should take out an IVA.
by lifenoteasy
Mon Aug 02, 2021 8:36 am
Forum: Ask IVA Forum and Industry experts
Topic: Can a CC refund item of £60 back on a CC, count as the monthly minimum payment (which is £24)
Replies: 3
Views: 2684

Technically a credit card balance can be seen as a breach of T&C's but would not reduce an agreed monthly payment in this scenario.

You would be better off spending the money on something else.
by lifenoteasy
Fri Jul 30, 2021 2:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: Useful article if considering an IVA
Replies: 4
Views: 2922

For me, I just saw the article as useful because it at least gave a different perspective and was not pushing IVA's as the be all and end all.
by lifenoteasy
Mon Jul 26, 2021 10:03 am
Forum: Ask IVA Forum and Industry experts
Topic: Long may the forum continue
Replies: 9
Views: 2813

In this case, the longer the memory the better and a fresh of breath air is not always the right way forward.
by lifenoteasy
Wed Jul 21, 2021 8:38 am
Forum: Ask IVA Forum and Industry experts
Topic: FAO Forum Owners
Replies: 9
Views: 3129

Hi - only raised it as it makes it look like the site has been hacked.
by lifenoteasy
Tue Jul 20, 2021 10:28 am
Forum: Ask IVA Forum and Industry experts
Topic: FAO Forum Owners
Replies: 9
Views: 3129

Hi

There is a big banner on your homepage saying this site is for sale - you may want to look at this.
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