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by Shining
Fri Aug 19, 2016 8:25 am
Forum: Ask IVA Forum and Industry experts
Topic: End of an era ...
Replies: 27
Views: 3173

Off on my holiday very soon and would never usually inform you of this as I don't believe those of you struggling in an IVA want to hear this. However, I've been a member of the forum since before my IVA began in February 2008 and when I return from my holiday I will not be returning to the forum, n...
by Shining
Thu Aug 18, 2016 12:02 am
Forum: friends corner
Topic: Full & Final
Replies: 4
Views: 1294

Brilliant news, well done.
by Shining
Thu Aug 18, 2016 12:01 am
Forum: Ask IVA Forum and Industry experts
Topic: When can I spend??
Replies: 6
Views: 3466

A couple of links here that may help:

Good luck in the clearing of the credit files, hope it goes smoothly for you.

http://debtcamel.co.uk/repair-credit-record-iva/

http://beatmydebt.com/individual-volunt ... -after-iva
by Shining
Wed Aug 17, 2016 11:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: Would any one recommend Creditfix ?
Replies: 11
Views: 4089

Hi and welcome, no personal experience here, but there are mixed reviews on the forum. I'm sure someone with personal experience will be along to give your their opinion tomorrow.
by Shining
Wed Aug 17, 2016 11:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mobile phone
Replies: 7
Views: 2582

Good luck, hope you get your new phone.
by Shining
Mon Aug 15, 2016 1:08 am
Forum: Ask IVA Forum and Industry experts
Topic: What would you advise ? Aperture are threatening to delay closure if I don't sign forms.
Replies: 5
Views: 2638

I've never claimed PPI as I believe I never had it. However, after reading about others on the forum, I may be surprised. My IVA is finished and I have no intention of trying as I can't remember my creditors let alone my account numbers. If I were in your position, I would sign and returned the requ...
by Shining
Mon Aug 15, 2016 1:04 am
Forum: Ask IVA Forum and Industry experts
Topic: Is there anyway we can pay outstanding debt and get out of IVA with Knightsbridge ?
Replies: 5
Views: 2545

Hi, as others say, challenge them and invite them to send you another form to complete, maybe return this one recorded. A little heavy handed for a first communication in my opinion.
by Shining
Sun Aug 14, 2016 9:40 am
Forum: Ask IVA Forum and Industry experts
Topic: Myself and soon to be ex husband have IVA's. I really want to stay in matrimonial home.
Replies: 5
Views: 2535

Hi and welcome. Sorry to hear of your present circumstance and sincerely hope that working with your IP and working together with your ex-partner that you can find a way forward. Both Income and expenditures do need looking at as Foggy rightly says to find the best way forward All the best and I sin...
by Shining
Sun Aug 14, 2016 9:36 am
Forum: Ask IVA Forum and Industry experts
Topic: Equiifax and Experian reports correct. Noddle unhelpful and information completely incorrect
Replies: 7
Views: 2881

Hoping you get this sorted as it is not good, especially others details on there! Not good for you or the other person. Keep a screenshot of this where possible and may be worth a strong complaint with the evidence and then taking this further.
by Shining
Sun Aug 14, 2016 9:34 am
Forum: Ask IVA Forum and Industry experts
Topic: Completion delay?
Replies: 18
Views: 6042

Well done one receiving the completion certificate. Good link above that will hopefully help.
by Shining
Sun Aug 14, 2016 9:31 am
Forum: Ask IVA Forum and Industry experts
Topic: Will my IVA fail because I haven't submitted annual financial reviews ?
Replies: 14
Views: 7882

Incredible that some companies are so on the ball and others are not. Some clients slip through the I&E net and some are scrutinised with every spend (or it feels like it).
by Shining
Sun Aug 14, 2016 9:28 am
Forum: Ask IVA Forum and Industry experts
Topic: I've been gambling in my partners name. How will this effect setting up a joint IVA ?
Replies: 6
Views: 2636

Hi and a warm welcome. If you feel that your gambling requires professional help, don't hesitate to seek this. It will undoubtedly help you but will also demonstrate to your prospective IP that you are serious in acknowledging wanting to cease gambling and become debt free. Do talk to 2 if not 3 com...
by Shining
Sun Aug 14, 2016 9:21 am
Forum: Ask IVA Forum and Industry experts
Topic: This site has been fantastic giving me hope and lots of advice. Now to clean up credit files ?
Replies: 4
Views: 2247

Hi there, lovely words re the forum, so glad that along the way the forum and its wonderful posters have been able to help you and support you. Here is a couple of links that may help with the clearing up of the credit files. All the best and any other questions, you know where we are. http://beatmy...
by Shining
Sun Aug 14, 2016 9:19 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA states my spouse will have to get a job or claim benefit. Where do I stand ?
Replies: 16
Views: 5159

Sometimes in life we need to have these difficult conversations and whilst she may initially be upset, angry and disappointed, in time it may be that she will understand and support. I find the 'wife has to get a job clause' a little unfair, they don't know your personal circumstances. However, if y...
by Shining
Sun Aug 14, 2016 9:17 am
Forum: Ask IVA Forum and Industry experts
Topic: Can high court happen straight after a IVA failure without any correspondence ?
Replies: 4
Views: 2472

Hi and a warm welcome to the forum. If you could elaborate a little on your post, I'm sure on of our friendly posters will be able to help you.
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