IVA Calculator - Do I qualify?

Agreed - an IVA is a contract with obligations on all sides.

If CF are seeking to change the contract and the contract does not specifically include how assessments are done in this way, then they have to change the contract.

"PS - we use WhatsApp as its a fast and convenient way for customers to take pictures of documents and send them in. Its "end to end encrypted" which means its more secure than email (and most other forms of communication)." It is free to use which reduces the cost for FJ. The tr...

Some of their practices are not standard.

I would recommend looking at smaller companies where you can also gauge how likely it is you will get on with them.

The larger comapnies tend to spend a lot of effort on onboarding but then you end up with indifferent service.

If I remember correctly it is NFU that tends not to accept people who are in an IVA.

Unless you are looking at director level roles (which in the NHS can start at 8b) it should not be a issue. Your pension scheme contributions are pretty much defined by your contract. Try and claim any possible PPI before going into an IVA as you might find that what you get back stops you having to...

No - you would need to make time to pay arrangements with HMRC.

The level of the fine is one of the highest ever issued - designed to drive them out of business.

The IVA company acting for the creditors has a claim on his wife's estate and that means they need to get in contact with the executor. Even if he is the executor, he has no direct responsibilities for maintaining the payments for his deceased wife. IVA companies are also supposed to have processes ...

Is the £35000 owed to your employer included in the £48000 that you identified? You need to think this through and that includes talking to your employer about what would happen if you went into an IVA. I have half a feeling that your employment may be at risk because I am not sure they could allow ...

Number provided has been linked to a cold call debt management company plus also someone stating that from HMRC. (information in public domain) At least one of the directors of Castlight Ltd are linked to Creditfix. (information in public domain) Potentially good product that may find that reputatio...

Need to point out that Creditfix has suspended all full and final offers until they can sort out "paperwork" issues - this is probably not the best time to do anything that involves them.

Have you even seen the new documentation that is being used and the wording?

The likelihood the issue is to do with their proposed charges.

Try Swallow - all app. based (including how you apply) and I was accepted by them recently.

There was one case where someone came back about the result of going to the regulator and I believe that it was against Aperture.

Historically, their IP's get fined quite often due to delays in the process.